Home Loans for Nurses
- Shift penalties, overtime and allowances counted — we choose lenders who assess up to 100% of consistent shift income, not a flat 80% shade.
- LMI may be waived or discounted at high LVR under health-professional or essential-worker programs when you qualify — caps and registration requirements differ by lender.
- Casual and agency nursing income accepted by selected lenders once you have a work history — we match the policy to your roster.
- We compare package fees, offset availability, and revert rates so you see total cost, not only the honeymoon rate.
- Indicative pricing from our panel where offered — formal approval and policy always decide the final outcome.
Nurse & midwife home loans
What we lock in for eligible nurses
Straightforward guidance on health-professional and essential-worker programs, LMI waivers at high LVR, and — the part most banks get wrong — how shift penalties, overtime and agency income are assessed.
Shift income assessed properly
The biggest lever for nurses is not the rate — it is a lender who counts penalties, overtime and allowances in full. That difference alone can move borrowing power by six figures.
Enquire nowLMI waivers when policy allows
Some programs waive or discount LMI at high LVR for registered nurses and midwives — each lender sets maximum loan, LVR, and income rules. Approval never guaranteed upfront.
Enquire nowCashback and structure
We factor in refinance or purchase rebates when comparing options, and explain fixed vs variable trade-offs for a roster-based cash flow.
Enquire nowEligibility
Who lenders usually include in nursing programs
Policies vary by bank: most look for current AHPRA registration, eligible employment, and sometimes minimum income or loan caps. Several lenders also count essential-worker policies that include nurses even without a medico program.
Agency, casual pool or recent-graduate nurses can still fit selected policies — we confirm before you pay upfront valuation or application fees.
- AHPRA registration as a registered nurse, enrolled nurse or midwife, with employment that matches the lender's nursing or essential-worker definition.
- Income evidence including base, shift penalties, overtime and allowances — we pick lenders who count these at up to 100% rather than shading them away.
- Loan size, LVR, and security within that lender's program caps — postcode and dwelling type can affect outcomes.
Three easy steps
From first chat to settlement, it's as easy as 1, 2, 3!
Understand your needs
In our first 20-minute chat, we explore your situation and what you want to achieve, so we know we're on the same page from day one.
Reviewing your options
Within a few days, we send clear recommendations from our lender panel and answer your questions: no jargon, just next steps.
Approval through to settlement
When you're ready, we prepare your application, deal with the lender, and stay on top of the process until your loan settles.
FAQ
Home loans for nurses - common questions
Do lenders count my shift penalties and overtime?
Policies differ a lot. Some lenders count 100% of consistent penalties and overtime for essential workers including nurses; others shade to 80% or need a two-year history. Choosing the right lender first is the single biggest borrowing-power lever for nurses.
Can nurses get an LMI waiver?
Some lenders include registered nurses and midwives in health-professional or essential-worker LMI programs at higher LVRs, with income and loan caps. Not every bank does — we confirm live policy before you apply.
I work casual or through an agency. Can I still get a loan?
Yes, with the right lender. Most want 3–12 months of consistent casual or agency history; some accept less for permanent-casual hospital roles. Payslips and a YTD figure usually carry the file.
Does my nursing grad program income count?
Usually yes once you have started and can show payslips — some lenders accept a contract before your first pay. New-grad files are very placeable with the right bank.
Can I use salary packaging in my application?
Often yes — several lenders add back salary-packaged living expenses and meal entertainment for health workers, which lifts assessable income. It is a policy detail most borrowers never hear about.
Do I pay a broker fee?
Most loans pay us via lender commission on settlement. We disclose this upfront.
Can a mortgage broker in Sydney help nurses who live interstate?
Yes. Lender policy is national. Our office is in Brookvale on the Northern Beaches; most of the work happens by phone, video and secure document upload.
How do I start an enquiry?
Use the form on this page or call 1300 992 837. The first conversation is no-obligation — we confirm whether a professional program is realistic before you pay application or valuation fees.
Do you have a Northern Beaches office?
Yes. Approved Property Finance is at 2/658 Pittwater Road, Brookvale NSW 2100.
Our lenders
We compare offerings from 70+ banks and non-bank lenders to find a fit for you
More choice means a better chance of matching your scenario, whether you're buying, investing, or refinancing.
- CommBank
- Westpac
- ANZ
- NAB
- Macquarie
- ING
- Suncorp
- Bankwest
- St.George
- BankSA
- ME Bank
- Bluestone
- Adelaide Bank
- Citi
Enquire about nurse home loans
Share your registration, roster setup, and whether you're buying or refinancing — we'll outline lenders whose policy counts your full income.