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First Home Buyer
Loans for Healthcare Professionals

At Healthcare Home Loans, we specialise in helping first home buyers working in healthcare secure the right finance to make homeownership possible, sooner. Whether you’re a nurse, doctor, allied health worker or in aged care or support services, we understand your career and how to leverage it to your advantage with lenders.

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First Home Buyer Benefits

Lower Deposits

Get into your home sooner with as little as 5% deposit (with government-backed schemes)

Waived LMI and Avoid Stamp Duty

Waived Lenders Mortgage Insurance (LMI) up to 95% LVR. Waived Stamp duty fee.

Premium Free Service & Fast Tack Approvals

From initial consultation to settlement we handle the entire process for you, 100% for free.

First Home Buyers

From your first property, to your next move, we tailor lending strategies for every stage of your healthcare career.

Check your Borrowing Capacity

See what you can afford using our
borrowing capacity calculator.

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We Help Healthcare Professionals

Doctors & Specialists
Nurses & Midwives
Non-Clinical
Dentists
Aged Care
Allied Health

How we help First Home Buyers

Expert Guidance

We explain everything clearly, from pre-approval to settlement, and help you make informed decisions.

Grants & Incentives

We guide you through first home buyer schemes you may be eligible for, including state-based grants and stamp duty concessions.

Higher borrowing power

Know exactly what you can afford before you start shopping.

Ready to Take the Next Step?

Book A Free Discovery Call

Cheryl, Nurse, NSW

“As a first home buyer, I couldn’t have asked for a better broker. They helped us get a great deal. They made the entire process so much less stressful and they were incredibly patient every step of the way. Carla and Marguerite explained everything clearly, helped with all the paperwork, and made sure I understood what I was signing. Their communication was always prompt and professional, answering even silly questions. I highly, highly recommend healthcare homeloans.”

Anjeela, Physiotherapist, NSW

"Carla & team are amazing! At healthcare home loans, especially Carla- she is incredibly knowledgeable, super supportive, and guides through every step of the mortgage process with transparency and great attention to detail. She clearly communicates everything in easy to understand manner especially for someone like me- a first home buyer and always sends summaries of meetings so its easy to remember the important points. Highly recommend them to anyone looking for an excellent and trustworthy broker!”

Kate , Doctor, NSW

“Had a fantastic experience with the whole team at Healthcare Home Loans - from start to finish! I'm writing this having moved into my new apartment and feeling really happy and satisfied. They went above and beyond to help me with every aspect of my property finding journey, and as a first home buyer I had lots of questions! Felt very supported the whole way through, especially during the nerve-racking period of making an offer. Highly recommend. Thanks guys!”

Deanne, Clinical Nurse Specialist, VIC

“Carla and the team were wonderful. I just bought my first home, and they were there to support and answer any questions I had throughout the whole process. I’m based in Victoria and they are based in NSW, but that was never an issue. Always very friendly, and easy to communicate with online / phone. Thank you again!”

Jocelyn, Registered Nurse, SA

“Carla, Dom and Marguerite were incredible in guiding me through the whole process. It was actually my first time trying to navigate the property game, so I had no clue how to approach it. Luckily, I had the team to support me! A special shout out to Carla though who really went out of her way to answer all of my questions and helping me even after-hours, during the entire process and most importantly at the pointy end of the settlement period. So ecstatic with the property purchase and everything. Can’t recommend them enough”

Dan, Physiotherapist, NSW

“These guys were incredibly helpful as we navigated our way through purchasing our first home! Very knowledgeable, patient and always quick to provide advice when needed. Couldn’t recommend them enough.”

Deanne, Clinical Nurse Specialist, VIC

“Carla and the team were wonderful. I just bought my first home, and they were there to support and answer any questions I had throughout the whole process. I’m based in Victoria and they are based in NSW, but that was never an issue. Always very friendly, and easy to communicate with online / phone. Thank you again!”

Daniella, NSW

“I've had nothing short of the best experience acquiring my first home loan with the most organised, knowledgeable, professional and thorough team at Healthcare Home Loans. The entire process was smooth, and in light of my busy schedule they were always so accommodating in ensuring all my queries were met at times most convenient for me. I would recommend Carla and Domenic to absolutely anyone, especially medical health professionals. Because of this wonderful team, i've purchased my first home with ease and look forward to the next purchase with them.”

Ready to Take the Next Step?

Whether you’re buying your first home, upgrading, or investing for the future. We’re here to help you make confident, informed decisions. 

Speak with a specialist who understands healthcare income, shift work, and how to unlock exclusive benefits just for you.

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Frequently Asked Questions

Can I get a home loan with a 5% deposit as a First Home Buyer in NSW?

Yes, as a first home buyer, you may be eligible for a 5% deposit loan with waived Lenders Mortgage Insurance (LMI), saving you thousands upfront.

What is the Home Guarantee Scheme?

The Home Guarantee Scheme lets first home buyers purchase with just a 5% deposit and no LMI. From 1 Oct 2025, bigger caps, no limits, and expanded access make it even easier for healthcare workers.

Do healthcare professionals get special home loan benefits?

Yes! Many lenders offer healthcare workers lower deposits, waived LMI, higher borrowing power, and specialist loans, and we connect you to them.

Do I need to pay Lenders Mortgage Insurance (LMI)?

Not under the Home Guarantee Scheme. By purchasing with a 5% deposit and government backing, you can save tens of thousands in LMI costs.

More FAQ's

Guarantor Home Loan

Helpful Reads for First Home Buyers