Most Healthcare Workers Delay Money Decisions for the Same Reason (It’s Not What You Think)

If you’re a healthcare worker feeling unsure, overwhelmed, or stuck in your head about money, you’re not alone.

We speak to nurses, doctors, and allied health professionals every week who say things like:

“I just need to get my head around things first.”

“I’m not ready yet.”

“I don’t want to waste anyone’s time.”

Here’s the truth most people don’t realise.

Clarity does not come before the conversation. It comes from it.

And waiting until you feel “ready” is often what keeps you stuck.

Why So Many Healthcare Workers Put This Off

Healthcare professionals are trained to be responsible, prepared, and precise.

That mindset is a strength at work, but it can make money decisions feel heavier than they need to be.

Many people delay conversations because they think they need:

• perfect numbers

• perfect timing

• a clear plan

• a decision

  
  

But money clarity does not work that way.

Most financial stress comes from guessing:

• Can I actually afford anything?

• Am I way off, or closer than I think?

• Should I be doing something, or doing nothing?

Guessing is exhausting. Understanding is calming.

What Is a Financial Health Check?

A Financial Health Check is a structured, non-committal conversation designed to replace assumptions with clear information.

Nothing more. Nothing pushy.

It helps you understand:

• where you are actually at financially

• what your realistic options look like

• how your role as a healthcare worker impacts lending

• what makes sense for you right now

It is not about being pushed into a decision. It is about stopping the mental spiral.

👉 Internal link: Check Your Borrowing Capacity

What You Actually Get From a Financial Health Check

This is not vague reassurance.

You leave with real answers to the questions that usually sit quietly in the background of your mind.

1. Clarity and Confidence

You will know where you stand, not where you think you stand.

That means:

• fewer “what ifs”

• less second-guessing

• more confidence in whatever you decide next, including waiting

Even if nothing changes immediately, your thinking will.

2. Is Your Interest Rate Actually Competitive?

We review whether your current interest rate is aligned with the market or quietly costing you more than it should.

If your rate is competitive, you gain peace of mind. If it is not, we will:

• show you exactly where you sit

• explain what is reasonable right now

• give you a simple script you can take back to your bank to request a reduction

  
  

No awkward conversations. No guesswork.

Just facts and a clear next step.

3. Your Real Borrowing Capacity and Comfortable Repayments

We walk through:

• how much you can borrow

• how much you would actually feel comfortable borrowing

• what repayments look like in real life, not just on paper

Borrowing power means very little if the repayments do not feel sustainable.

This helps align the numbers with your lifestyle, not just lender limits.

4. Equity: Is Your Money Sitting Idle?

If you already own a home or investment, we look at whether you have lazy equity.

This is value that exists on paper but is not doing anything for you.

We help you understand:

• how much usable equity you actually have

• whether it makes sense to upgrade your home

• whether expanding your investment portfolio is realistic

• or whether leaving things exactly as they are is the smarter move

  
  

Equity does not automatically mean action. But understanding it gives you options, and options create confidence.

5. What Is Your Best Next Step?

A question we hear all the time is:

“Should I buy my first home, or an investment?”

There is no universal answer.

During the Financial Health Check, we help you understand:

• which option makes sense for you

• how each path affects your future borrowing

• the real trade-offs, both short and long term

The goal is not to push you in one direction. It is to help you choose with clarity instead of pressure.

What a Financial Health Check Is Not

This part is important.

A Financial Health Check is not:

• a loan application

• a commitment to proceed

• a sales pitch

• pressure to “do something now”

There is no obligation to move forward afterward.

The goal is clarity, not conversion.

What It Requires and What It Does Not

To provide accurate guidance rather than generic advice, we may ask for consent to review:

• recent payslips

• identification

• a copy of your credit report

Nothing is submitted to a lender unless you choose to proceed.

All meetings are held via Google Meet, so you can join from wherever you are comfortable.

How the Process Works

Step 1: Discovery Call (15 minutes) A short conversation to understand:

• what prompted you to reach out

• what you are feeling unsure about

• whether a Financial Health Check is the right next step

  
  

Step 2: Financial Health Check (30 minutes) You will meet with a broker who specialises in healthcare lending and will:

• review your position at a high level

• answer your questions honestly

• talk through options relevant to your situation

The aim is to stop you overthinking the wrong things.

Not Ready to Buy? That Is Still Progress.

Many healthcare workers leave a Financial Health Check without taking immediate action.

That is not a failure. It is progress.

Understanding that:

• you are closer than you thought

• you need more time

• or a different strategy makes more sense

can save months of stress and unnecessary decisions later.

Clarity helps you move forward when the timing is right, not rushed.

👉 Internal link: Home Loan Repayments Calculator

A Simple, Low-Pressure Starting Point

If you have been feeling unsure about your next move, a Financial Health Check is a calm way to get perspective.

Sometimes the most valuable outcome is not a plan.

It is peace of mind.

Ready When You Are

We are back in the office and available for Financial Health Checks.

Whether you are actively planning or simply want to understand your position, one conversation can help you get clear on what comes next, even if that next step is simply waiting.

Book In

If this sounds like something a colleague or friend would benefit from, feel free to send it their way.

Sometimes clarity starts with: “Hey, I thought of you.”

Co-Founder & Head of Lending

Carla Nesci