Renting vs Buying in 2025: What It’s Really Costing Healthcare Workers

Healthcare Home Loans
Sep 22
3 min read

Updated: Oct 31

Still renting? You might be paying far more than you realise.

For nurses, doctors, and healthcare professionals across Australia, the cost of renting versus buying isn’t just about weekly payments. It’s about the long-term wealth you’re missing out on by waiting on the sidelines.

With rising property prices, rent hikes, and lost equity potential, 2025 is shaping up to be a pivotal year for renters considering their first home.

Why Renting May Be Costing You More Than You Think

Every month you pay rent, you're investing in someone else’s future—not your own. Let’s break it down:

Rent money is dead money. You’ll never see it again.
Home prices continue to rise. The longer you wait, the more expensive it becomes.
You lose potential equity growth. A property bought today could grow by tens of thousands in just a year or two.

If you're renting at $600 per week, that’s over $30,000 a year with no return.

The Financial Benefits of Buying Early

One of the biggest myths holding healthcare professionals back is the idea that you need a 20% deposit to buy. That’s simply not true, especially for nurses and doctors.

Here’s what happens when you buy sooner:

✅ You stop bleeding money on rent.

✅ You start building equity in your own home.

✅ You benefit from capital growth over time.

✅ You lock in repayments (unlike rising rents).

✅ You gain financial stability and future borrowing power.

“We work with healthcare professionals all across Australia who thought they needed a 20% deposit. In reality, most can get into a home with much less – and start building equity instead of paying rent.” Domenic Nesci, Director & Co-Founder, Healthcare Home Loans

The Power of Leverage

One of the biggest advantages of buying early is the power of leverage. Let’s say you purchase an $800,000 property as a first home buyer with just a 5% deposit. That’s $40,000, plus around $5,000 in legal and setup costs, bringing your total to $45,000.

Renting vs Buying in 2025: What It’s Really Costing Healthcare Workers

If the property grows at Australia’s average rate of 6% per year, in five years it could be worth over $1,071,000. That means you’ve gained around $271,000 in equity from a $45,000 starting point.

Most people won’t save that amount in five years on their own. However, property growth and smart financing make it possible. This is why getting into the market sooner can make such a significant difference for nurses, midwives, and other healthcare workers who want to stop renting and start building long-term wealth.

Exclusive Home Loan Perks for Healthcare Workers

Healthcare professionals often qualify for home loan benefits not available to the general public, including:

Low deposit options (as little as 5%).
No Lenders Mortgage Insurance (LMI) – a potential saving of $60,000+.
Access to over 50 lenders offering competitive rates.
Better loan structures tailored to shift work, salary packaging, and public/private health roles.

These benefits are designed to get you into the market sooner, not "someday."

Understanding the Market Trends

Current Property Market Overview

The Australian property market is experiencing significant changes. Prices have been on the rise, making it crucial for potential buyers to act quickly. Understanding these trends can help you make informed decisions.

The Impact of Interest Rates

Interest rates play a vital role in the housing market. As rates fluctuate, they can affect your borrowing capacity. Keeping an eye on these changes can help you secure a better deal.

Future Predictions

Experts predict that property prices will continue to rise in the coming years. This means that waiting to buy could cost you more in the long run. It’s essential to stay informed and be proactive.