HEALTHCARE WORKER & NURSE HOME LOANS
Nurses and healthcare workers are some of the most important and hard-working members of our community.
If you’re a nurse or someone who works in healthcare, did you know that there are certain lenders that take into account the full benefits of salary packaging your home loan?
Taking this approach can maximise your borrowing capacity and at the same time, minimise the financial impact of having a mortgage.
Contact your nurse and healthcare worker home loan specialist
SPECIAL HOME LOAN OPTIONS FOR NURSES
Salary packaging works by allowing nurses and healthcare workers to earmark some or all of their home loan repayments as a tax-free expense. It is not always an option that is available to the general public, which is why you may not have heard about it before.
As a result of salary packaging, you will pay less tax. This means you have more money to put towards living expenses.
Watch the short video below to see more about how it works. (video in production)
CAN I BORROW MONEY FOR A HOME LOAN ON A NURSE’S SALARY?
lf you are a nurse or healthcare worker with a good credit history and evidence of being able to save money, you can definitely be considered for a home loan.
Here are some of the things you will need as part of your application:
- evidence of your income and employment history;
- evidence of your personal debt (ideally it will be very minimal);
- a good credit history, and
- evidence you have been saving for a deposit (this could also include proving you have been steadily paying rent).
The most important thing you need when applying for a home loan as a nurse or healthcare worker is the help of a specialist who can walk you through the process and help you figure out if salary packaging is an option for you.
WORK WITH A SPECIALIST IN NURSE HOME LOANS
With a ten year history as a mortgage broker, I have helped dozens of nurses and healthcare workers to get their home loan applications over the line.
Even when it’s not a straightforward process, I can provide the information and guidance you need to make steady progress towards buying a home.
My services include researching the lenders that offer salary packaging options and home loans for nurses at the most competitive rates.
NURSE HOME LOANS: HOW IT WORKS
Meeting with a mortgage broker who specialises in helping Australians who work as nurses or in healthcare is the first step to figuring out which special home loan options are available to you as a nurse.
- Book a time to speak with me and we’ll go through your circumstances, your plans and your ideal outcome.
- I’ll let you know how much you can borrow based on your savings, current interest rates and your lending options as a healthcare professional.
- Then we will work together to prepare an application with a lender who can provide the most attractive salary packaging options.
IMPORTANT INFORMATION FOR HEALTHCARE WORKERS ABOUT APPLYING FOR A HOME LOAN
Because nurses and healthcare workers have atypical salaries that include overtime, shift work and salary packaging, it is critical your earnings are clearly understood and presented the right way to make it easier for lenders to give you the all-important “yes”.
That’s what I specialise in. Let me help present your application the right way so you can enjoy the next stage of your homeownership journey.
Get in touch to schedule your first appointment.
Contact your nurse home loan specialist