How firefighter income is assessed
Stable employment with a fire and rescue service is viewed favourably by most lender credit teams.
← Essential workers
Home loans for firefighters.
Home loan guidance for firefighters who want clear options for buying, refinancing or investing. Subject to assessment.
Who this is for
Built for firefighters like you.
- Full time and permanent firefighters
- Station officers and senior firefighters
- Specialist roles - HAZMAT, USAR, aviation rescue
- Fire service employees
- Emergency services workers
- First home buyers, refinancers and investors
Lending advantages
What may be available to you.
Several lenders apply specific policies to your profession. Eligibility, limits and pricing vary - subject to assessment.
Overtime, allowances and rosters
Selected lenders count sustained shift loadings, public holiday and overtime payments as ongoing income.
No LMI options through selected lenders
Eligible firefighters may use the Australian Government 5% Deposit Scheme or essential worker pricing. Subject to eligibility.
Essential worker lending policies
Selected lenders offer competitive pricing or fee concessions to qualifying essential service workers.
Common challenges
Where this profession often hits friction.
Recruit and probationary stage
New recruits can hit friction with generic assessors. The right lender weights the secured nature of the role favourably.
Specialist allowances vary
Aviation, HAZMAT and USAR allowances differ across services. We confirm what each lender will count.
Second jobs and side income
Many firefighters run secondary trades. Selected lenders consider this; many discount or ignore it.
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.
- 01Map base, shift, overtime, allowance and any second-job income.
- 02Check eligibility for Australian Government 5% Deposit Scheme or state schemes.
- 03Recommend lenders that suit your specific service and rank.
- 04Manage the application, valuations and settlement end to end.
- 05Annual loan review for as long as you're a client.
Documents to have ready
Make the first conversation faster.
- Employment contract or employment letter
- Recent payslips
- Overtime and allowance evidence
- Firefighter association membership if relevant
- Existing loan statements
- Savings evidence
FAQs
Common questions.
Can firefighters get no LMI home loans?+
Eligible firefighters may use the Australian Government 5% Deposit Scheme or essential worker programs. Subject to eligibility.
Will overtime be counted?+
Selected lenders count a portion or all of sustained overtime with payslip and PAYG support.
Can shift allowances be used?+
Yes, with the right lender. The discount applied varies - we model the difference before lodging.
Can firefighters buy investment property?+
Yes. We model investment lending across your full position.
Can you help emergency service workers compare lenders?+
Yes - police, fire and paramedics are a regular part of our caseload.
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.