Nurses Loans

Equity Loans

An equity loan lets you access the value already built in your home without starting from scratch. For nurses, we structure clear loan splits so renovation funds, investment capital or debt consolidation remain purpose-separated and easy to manage at tax time. We’ll size the release to keep repayments comfortable across changing rosters, and set up offset/redraw so every spare dollar works harder between pay cycles.

First Home Buyer Loan

Buying your first home as a nurse shouldn’t mean guessing your budget. We present overtime, shift penalties and packaging correctly so lenders see your true income. Then we line up low-deposit pathways, potential LMI waivers and government schemes like the First Home Guarantee and FHOG, mapping your deposit plan and purchase costs so you can make offers with confidence.

Investment Property Loans

Nurses often balance long shifts with long-term wealth goals. We design investor loan structures that protect cash flow (offsets, splits, IO where suitable), model rent shading across lenders, and coordinate with your accountant so deductible and non-deductible debt stay clean. With a large lender panel and nurse-friendly policies, we plan for your next one to three properties — not just the next step.

Refinance Loan

If your rate has crept above market or your fixed term is ending, we’ll benchmark your loan and model savings after fees. For nurses, we can also consolidate high-interest debts to a single manageable repayment and keep features (offset/redraw) that suit variable schedules. You’ll see a clear break-even and we’ll only switch when it genuinely benefits you.

SMSF Loans

For nurses who want more control inside super, SMSF lending requires careful setup. We coordinate with your accountant and administrator on deed checks, bare trust arrangements and lender policy, then structure repayments and buffers that support your retirement objectives. The goal: compliant, comprehensible lending that fits your long-term plan.

Trust Loans

Whether you invest through a family trust or company, we align credit policy with your legal and tax settings. We’ll handle documentation, guarantor requirements and cash-flow-friendly features so your structure works day-to-day and over the long term. Ideal for nurses planning intergenerational wealth or shared portfolios with clear governance.

Second Mortgage Loans

A second mortgage can be an efficient way to access equity while keeping your primary loan intact. For nurses, it’s often used for renovations, business capital or debt restructuring — with tailored assessments that fit your income pattern and long-term goals.

Self-Employed Loans

Whether you’re a nurse contractor or running your own healthcare practice, we work with lenders that accept alt-doc or accountant-certified income. Flexible options help you maintain cash flow without being penalised for variable pay cycles.

Construction Loans

We’ll help you build your dream home with staged drawdowns, clear lender communication and budget control. Our nurse-specific guidance ensures approvals reflect your full income, so your build stays on track through each phase.