Let’s make rate types less confusing and more aligned with your lifestyle, income, and financial goals. Choosing between fixed, variable or split rate loans can feel like trying to predict the future. But it doesn’t have to be daunting. When you understand how each option works, especially through the lens of healthcare work, the choice becomes much clearer.

Sharni, a proud Aboriginal woman and full-time nurse, had long dreamed of owning her first home. With a property goal of $750,000, she was excited to begin her journey, until her previous broker left her deflated.

Step 1: Know Your Current Rate Log into your internet banking or grab your last loan statement. Find the interest rate listed - make sure it’s your current variable or fixed rate, not the comparison rate.

Debt can either work for you - building wealth, freeing up cash flow, and unlocking opportunity or quietly erode your financial security. Knowing the difference between good debt and bad debt is essential for healthcare professionals who want to make smart, stress-free money decisions, especially in the lead-up to EOFY.

Dr. Amy was ready to buy her $2.2M dream home—but her new private billing income wasn’t accepted by the bank. Healthcare Home Loans stepped in, secured a 5% deposit approval without payslips, waived $93K in LMI, and dropped her rate to 5.99%. She saved $257K upfront, cut nearly $950K in interest, and reduced her loan term by 6+ years. All from one smart conversation with Australia's healthcare lending specialists.

Thinking about building wealth through real estate? Investment property loans can be a powerful way to secure passive income, capital growth, and long-term financial stability. At Healthcare Home Loans, we specialise in exclusive lending solutions designed for healthcare professionals, making property investment more accessible than ever.