Healthcare

Home Loans Exclusively for Nurses & Midwives

We understand your career, income, and goals. You deserve every available lending benefit to save you money and get started sooner.

Play
Pause

Your Nurses & Midwives Benefits

10% Deposits

Get started sooner and buy your home or investment with a 10% deposit.

Reduce Rates
and Fees

Waived Lenders Mortgage Insurance (LMI) up to 90% LVR and access to exclusive interest rates.

Larger Loans

Maximise your borrowing capacity by including all of your contract, overtime, allowances and loadings

Support at every stage of your career

Whether you’re just starting out or planning your next move, we tailor lending strategies for every stage of your healthcare career.

Play
Pause
Early Career

First Home Buyers & First-Time Investors

Buy your first home with as little as 5% deposit and no LMI. Get into the market sooner, avoid unnecessary costs, and start building equity while you focus on your career and future plans.

Play
Pause
Mid-Career

Upgraders, Refinancers & Property Investors

Leverage your equity, access cashback, or improve your rate. Upgrade your home or purchase your first investment property with a strategy built around your income, shifts, and future goals.

Play
Pause
Senior career

Building Wealth & Lifestyle Freedom

Make your money work harder while you work fewer hours. Use offset accounts, debt recycling, or equity to invest, reduce repayments, and plan for long-term flexibility.

Bell, Nurse, TAS

“Thank goodness for Carla, Marguerite and the team at Healthcare Home Loans. They provided the best experience and really went above and beyond with their service. Absolutely outstanding guidance and support which made me feel more confident. Carla is super knowledgeable, helpful and I couldn't recommended them more.”

Chandra, Nurse, QLD

“Words can't express how grateful I am to Carla and Domenic from Healthcare Home Loans. Our dream home is finally becoming a reality, and it wouldn't have been possible without their incredible support. I had almost given up hope after talking to so many brokers who couldn't understand my complex financial situation. Refinancing our current home and securing a land and construction loan was a daunting process, but Carla and Domenic were true lifesavers!”

Tiana, Clinical Nurse Specialist, NSW

“Carla and the team at HHL are amazing! I first encountered them through their financial well-being webinar. I felt empowered to make financial decisions and went ahead with getting a home loan with Carla's advice and support. I have learnt so much, and it has been an all-round positive experience. Will recommend them to anyone!”

Francis, Registered Nurse, NSW

“Really helpful in terms of providing information, choices and Full authority in decision making. They are able to provide some quality benefits to Health Care workers which is a major plus. Thanks Team”

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”

Teodora, Registered Nurse, SA

“Domenic and Carla have been extremely helpful in our rather complex refinancing. We felt supported and well informed throughout the process Domenic is an outstanding professional with passion for his work and absolute pleasure to work with. Highly recommended.”

Betsy, Clinical Nurse, QLD

Betsy, Clinical Nurse, QLD “Carla was so amazing from the first meeting we had! Carla is personable, easy to talk to and strives to give you the best result with your mortgage choice. After our first meeting I felt so confident in making my first purchase and felt it was a goal I could actually achieve! Hardworking, reliable and understanding of health professionals busy work schedule and happy to accommodate around it even offering phone and video calls after 5pm and answering texts made the process so easy. I cannot recommend Carla and the team enough, especially as I’m now settled in my new home, thanks to you!”

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!”

Nattacha, Registered Nurse, NSW

“The team at Healthcare Home Loans were amazing, I highly recommend if you’re a healthcare worker. They gave constant updates, clear & honest advice about my refinance. Big shout out to Carla and Marguerite!”

Madeleine, Nurse, NSW

Madeleine, Nurse, NSW “We recently settled on our new home and couldn’t have done it without Carla and the team. From the very beginning, she was personable, approachable, and genuinely cared about helping us through the process. She went above and beyond at every stage, answering all our questions, keeping us updated, and making what could have been a stressful journey feel smooth and manageable. Her professionalism, dedication, and warm manner made us feel supported and confident the whole way through. We are so grateful for all her hard work and highly recommend Carla to anyone looking for a broker who truly goes the extra mile.”

Sarah Browne, Nurse, VIC

“Fantastic, professional and very patient with me. Carla is an absolute gun at getting things done. I'm so glad I was referred to her and her team by another very satisfied friend. Thank you so much.”

We work with over 50 banks including all of the major banks, Commonwealth Bank, Westpac, ANZ, NAB, ING, Bank West, Macquarie and many more second tier lenders. We work with over 50 banks including all of the major banks, Commonwealth Bank, Westpac, ANZ, NAB, ING, Bank West, Macquarie and many more second tier lenders. We work with over 50 banks including all of the major banks, Commonwealth Bank, Westpac, ANZ, NAB, ING, Bank West, Macquarie and many more second tier lenders. We work with over 50 banks including all of the major banks, Commonwealth Bank, Westpac, ANZ, NAB, ING, Bank West, Macquarie and many more second tier lenders. We work with over 50 banks including all of the major banks, Commonwealth Bank, Westpac, ANZ, NAB, ING, Bank West, Macquarie and many more second tier lenders. We work with over 50 banks including all of the major banks, Commonwealth Bank, Westpac, ANZ, NAB, ING, Bank West, Macquarie and many more second tier lenders.

We work with over 50 Lenders

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.

Step 1:

Book a
Discovery Call

We’ll understand your goals and give you a clear view of what’s possible, whether you’re buying your first home, upgrading, or investing.

Step 2:

Tailored Loan Strategy

Work with our senior lending specialist to build a plan around your role, income, and lifestyle; including access to exclusive benefits like waived LMI and low-deposit options.

Step 3:

Apply with Confidence

We’ll handle the paperwork, lender search, and coordination from start to finish, so you can stay focused on your career while we take care of the details.

Frequently Asked Questions

Can I get a home loan with a 10% deposit as a nurse or midwife?

Yes, as a nurse or midwife, you may be eligible for a 10% deposit loan with waived Lenders Mortgage Insurance (LMI), saving you thousands upfront.

Can part-time, casual, or contract nurses qualify for waived LMI?

Yes, part-time, casual, and contract nurses may still qualify. We work with lenders who understand variable income structures in healthcare.

Can I buy with a partner who isn’t a Doctor or Specialist?

Yes, you can buy with a partner who isn’t a healthcare worker. As long as one of you is eligible, you may still access benefits like LMI waivers, low deposit options, and discounted rates. We’ll structure the loan to suit both of you.

I’m a graduate on a probation period, can I still apply?

Yes, some lenders will accept newly graduated nurses or those on probation, especially in the healthcare industry. We’ll help present your case in the best light.