Government scheme eligibility
Many emergency services personnel qualify for the Australian Government 5% Deposit Scheme, which may allow buying with 5% deposit and no LMI. Subject to scheme rules.
← Essential workers
Home loans for emergency services personnel.
Police, firefighters and paramedics often qualify for government schemes and may be eligible for profession-friendly lender policies. Subject to assessment.
Who this is for
Built for police, fire & paramedics like you.
- Police officers (state and federal)
- Firefighters and station officers
- Paramedics and ambulance officers
- Permanent, casual or relief shift workers
- First home buyers, upgraders and investors
- Refinancing to a sharper rate or better structure
Lending advantages
What may be available to you.
Several lenders apply specific policies to your profession. Eligibility, limits and pricing vary - subject to assessment.
Shift and penalty income counted
Selected lenders count overtime, shift loadings and penalty income properly rather than discounting heavily.
Stable income recognised
Long-term service is treated favourably by profession-aware lenders, which may improve borrowing capacity.
Professional package pricing
Some lenders apply enhanced discounts on top of standard rates for qualifying clients.
Common challenges
Where this profession often hits friction.
Shift and penalty income
Lenders vary widely on how much shift income they'll count. Some take full average; others discount significantly.
Multiple income components
Base + shift + overtime + court time can confuse standard assessment. The right lender reads the full picture.
Recent transfer or promotion
A new posting can affect tenure assessment. Selected lenders look through this; others won't.
How we help
Strategy first. Loan second.
Our process is the same for every client - understand the situation, model it against selected lenders, then recommend a path. No pressure, no surprises.
- 01Check eligibility for the Australian Government 5% Deposit Scheme and other state or federal programs.
- 02Find lenders that count shift, penalty and overtime income properly.
- 03Model borrowing capacity across multiple lenders.
- 04Manage application, valuation and settlement on your behalf.
- 05Annual loan review for as long as you're a client.
Documents to have ready
Make the first conversation faster.
- Last 3 payslips (including shift and penalty income)
- Employer service confirmation letter
- ID and proof of address
- Current loan and credit card statements
- Savings history or deposit evidence
- HECS / HELP balance (if applicable)
FAQs
Common questions.
Do police, fire and paramedics qualify for special policies?+
Selected lenders apply profession-friendly policies to emergency services personnel. Eligibility varies by lender - we confirm before lodging.
How is shift income counted?+
Lenders vary. Some take 100% of your three-month average; others discount. We pick lender based on your roster and earnings pattern.
Can I buy with a 5% deposit?+
Many emergency services personnel qualify for the Australian Government 5% Deposit Scheme, which may allow 5% deposit and no LMI. Subject to scheme rules.
I just got promoted - is that a problem?+
Often not. Several lenders look through recent promotions, particularly within the same service. Selection matters.
Want to know what you may qualify for?
Send us a few details and we will check your options with current lender policy.
Every lender has different rules. Your eligibility depends on your income, deposit, credit history, property type, location, existing debts and the lender policy at the time of application.
This information is general only and does not consider your personal situation. Lending options, LMI waivers, interest rates, loan amounts and approval requirements vary by lender and can change at any time. We will check your circumstances against current lender policy before making any recommendation.