Nurses, You May Be Eligible To Buy With Just 10% Deposit, And Pay Zero LMI
Borrow up to 90% with no Lenders Mortgage Insurance, structured around shift income, penalties, and overtime
If you're a registered nurse, midwife, or healthcare professional in Australia, you may qualify for lending benefits most borrowers never see.
Many banks assess you under generic PAYG rules.
We don’t.
We work with lenders who understand:
Shift allowances
Overtime
Penalty rates
Contract roles
Public & private hospital employment
Nurses, You May Be Eligible To Buy With Just 10% Deposit, And Pay Zero LMI
Borrow up to 90% with no Lenders Mortgage Insurance, structured around shift income, penalties, and overtime
If you're a registered nurse, midwife, or healthcare professional in Australia, you may qualify for lending benefits most borrowers never see.
Many banks assess you under generic PAYG rules.
We don’t.
We work with lenders who understand:
Shift allowances
Overtime
Penalty rates
Contract roles
Public & private hospital employment
Stop Being Assessed Like A Standard PAYG Borrower
Most lenders miss what makes a nurse’s income different
Many banks treat:
Overtime inconsistently
Shift penalties conservatively
Contract income cautiously
That can reduce your borrowing power by tens of thousands.
We structure your application properly, before it hits credit.
Income Structure Recognition
We position shift loading, overtime and penalties correctly to maximise borrowing capacity
High LVR Lending Options
Eligible nurses may access up to 90% without LMI, reducing upfront costs significantly
Career‑Specific Lending Advice
We understand healthcare employment athway, public, private, agency, contract.
Cashback & Rate Optimisation
Access competitive rates and refinance incentives where suitable
Access Competitive Rates From 30+ Lenders
What Australian Nurses Say After Reviewing Their Loan Options
We don’t just “get approvals.”
We build lending strategies that make sense for healthcare professionals.
“I didn’t realise my overtime could be assessed properly. My borrowing capacity increased significantly.”
“They explained lender differences clearly. I felt confident before submitting anything.”
“I avoided LMI and saved thousands upfront.”
A Smarter Home Loan Process Designed For Nurses
STEP 1
Income Review
We assess your base salary, shift loading, overtime and allowances properly
STEP 2
Lender Matching
We identify lenders who actively support healthcare professionals, not generic channels
STEP 3
Structured Approval
Your application is positioned strategically to maximise approval strength and minimise unnecessary risk
Why Nurses Choose Us Over Going Direct To A Bank
NURSE-FOCUSED SUPPORT
Access to lenders offering 90% no LMI (eligible applicants)
Structured assessment of shift & overtime income
Lower upfront costs
Strategic lender selection
Clear communication
Standard Bank Experience
Generic PAYG assessment
Limited flexibility on penalties & overtime
Higher deposit required
LMI added unnecessarily
Fewer lender comparisons
Access Competitive Rates From 30+ Lenders
Trusted by thousands of Australian families
We’ve helped over hundreds Australians step into home ownership using smart lending strategies. With access to more than 35+ lenders, including major banks and specialist providers, we’re trusted by couples, individuals, and growing families to guide them with clarity, care, and proven results.
Jay Bee
I recently purchased my first home and in the process was told to look for a mortgage broker, I found Money Sense Lending as they were nice and local, just in Traralgon, and I'm glad I did as they helped every step of the way. I'm someone that had no idea what to expect when purchasing a home but Money Sense Lending were able to make the process really easy and took away all of the stress so I could enjoy the process. I would 100% recommend them to anyone that is interested in purchasing a property.
Molly Brady
Sue from Money Sense Lending Traralgon was amazing in helping us find the best rate for our home loan. She went above and beyond for us and made the process smooth and easy. If you are looking for a mortgage broker we could not recommend these guys enough!
Excellent Service – Simon Went Above and Beyond!
We had a fantastic experience with Money Sense Lending Services (this wasn't the first time we've used them). The application process was quick and straightforward, and Simon in particular, was amazing. We had a few time-sensitive requests, and I know we put some pressure on him, but he handled everything without any trouble and kept things running smoothly. The staff were clear and helpful throughout also.
I highly recommend Money Sense for anyone looking for reliable and supportive lending service!
Molly Brady
Dougal, the best mortgage broker in Traralgon, made the process of buying my first home easy. He was friendly, approachable, and always willing to answer my many ‘silly’ questions. Dougal worked efficiently, handling every hurdle with professionalism and in a timely manner. I highly recommend him to anyone, but particularly to first-time buyers, Dougal will support you and provide you with all the information you need to feel in control and comfortable.
Access Major & Specialist Lenders That Support Healthcare Professionals
We work with a broad panel of Australian lenders, including those with specific policies supporting nurses and midwives.
More options = better positioning.
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Lender participation and eligibility criteria vary.
Trusted by thousands of Australian families
We’ve helped over 1,000+ Australians step into home ownership using smart lending strategies like the Family Guarantor Loan. With access to more than 80+ lenders, including major banks and specialist providers, we’re trusted by couples, individuals, and growing families to guide them with clarity, care, and proven results.
Natasha O'sullivan
I am so grateful to Tony and Joel for their exceptional care and support. Their professionalism and dedication were evident as they worked tirelessly to secure the best outcome for our loan. Additionally, they were able to deliver an impressively fast turnaround! Thank you for making the process so easy and smooth!
Matilda Raper
We could not be happier with the service that Grow Home Loans, in particular Joel, provided us with. He is very approachable, helpful and down to earth. Joel was very happy to answer the thousands of silly questions we had and made us feel very comfortable in the stressful time of buying our first home. We are over the moon with the property we purchased and couldn’t have done it without Joel!!
Lauren O'Connor
We feel very lucky to have been referred to Tony and Joel at grow Homeloans. Our dealing with both of these two were nothing short of incredible. They 100% kept us in the loop at every step of the way and were very personable. We look forward to having a long relationship with GROW.
Glenn Goodison
Superb! Knows his stuff. Doesn't beat around the bush- which was greatly welcomed by myself and my wife. Detailed and explained everything really well. Really recommend!
Healthcare Income Is Different. That’s Why I Work With People Like You
I help Allied Health clients who’ve been misunderstood by traditional lenders. Not because they earn less, but because their income isn’t packaged like a 9-to-5 salary.
Clients I’ve supported include:
Allied Health workers on shift, agency or casual income
Self-employed professionals in healthcare
Applicants turned away by banks due to non-standard income
Real-Life Scenarios:
Self-Employed Without Payslips
Mark, a mobile physio, runs his own business. His bank said no because he didn’t have the usual paperwork. We used alternative income evidence to get him approved.
Agency Worker With Shift Income
Sarah, an aged care assistant, works through two different agencies. Her income varies month to month. We matched her with a lender that understands how healthcare shifts work.
Multiple Rejections From Big Banks
James and Rachel, both Allied Health assistants, had a modest deposit and had already been declined. We helped them get approved by showing their income the right way.
Access Lending Solutions Through 50+ Reputable Providers
Why Millennial Finance Group Supports Healthcare Professionals
Jacob Heavyside
Director, Millennial Finance Group
We understand that nursing isn’t a 9–5 profession.
Shift work. Long hours. Rotating rosters. Overtime.
Your income structure is unique, and it deserves to be assessed correctly.
We specialise in structuring healthcare lending pathways that reduce friction and maximise opportunity.
Because you take care of Australians every day.
Your lending strategy should take care of you.
Common Questions From Pilots
Can I apply if I’m on contract or agency work?
Yes, many lenders accept contract roles if structured correctly.
Is 10% deposit available?
Eligible nurses may access up to 90% without LMI depending on lender and circumstances.
Are shift penalties and overtime included?
Yes, when positioned properly and supported by the right lender policy.
Can I refinance under this pathway?
Absolutely. Refinancing may reduce LMI, access cashback, or improve rate structures.
You Look After Patients
Let’s Make Sure Your Home Loan Looks After You
Within 24 hours, we can:
• Review your income structure
• Identify 90% no LMI eligibility
• Compare lender options
• Outline potential savings
• Give you clarity before you commit
No pressure. No obligation. Just strategy.
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Millennial Finance Group Pty Ltd
ABN 53 638 823 104 | Australian Credit License (ACL) #566528