Overtime, shift and penalty income counted
Selected lenders count sustained overtime, shift loadings and penalty rates as ongoing income with payslip and PAYG support.
← Medical & health professionals
Home loans for nurses.
Home loan help for nurses who want their full income properly understood - including shift allowances, overtime and regular additional income. Subject to assessment.
Who this is for
Built for nurses & midwives like you.
- Registered nurses and nurse practitioners
- Clinical nurses, theatre, emergency and ICU nurses
- Midwives
- Nurses on shift, overtime and penalty income
- Nurses buying a first home
- Nurses refinancing or investing
Lending advantages
What may be available to you.
Several lenders apply specific policies to your profession. Eligibility, limits and pricing vary - subject to assessment.
No LMI options through selected lenders
Some lenders include nurses in their medical or essential worker LMI policies. Subject to eligibility.
Government scheme eligibility
Eligible nurses may use the Australian Government 5% Deposit Scheme. Queensland state grants and transfer duty concessions have separate eligibility rules, caps and contract dates.
Stable employment helps approvals
Long-term hospital employment is viewed favourably by most lender credit teams.
Common challenges
Where this profession often hits friction.
Casual and pool nurse income
Casual roster income needs careful documentation. The right lender counts it; many discount it heavily.
Maternity leave or part time periods
Recent leave or reduced hours need explaining clearly upfront. Several lenders handle this well.
Why selected lenders assess nurses differently
Lender appetite for shift and overtime income varies materially. Lender selection is the single biggest variable.
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, penalty and allowance income.
- 02Confirm which components each lender will count.
- 03Check eligibility for the Australian Government 5% Deposit Scheme, Queensland First Home Owner Grant and transfer duty concessions - each has separate rules.
- 04Model borrowing capacity across multiple lender scenarios.
- 05Annual loan review for as long as you're a client.
Documents to have ready
Make the first conversation faster.
- AHPRA registration
- Payslips showing base income and allowances
- Employment contract
- Group certificate or income statement
- Savings evidence
- Current loan statements
FAQs
Common questions.
Can nurses get no LMI home loans?+
Some lenders include nurses in their medical or essential worker LMI policies. Eligibility varies - we confirm before lodging.
Will lenders use overtime?+
Selected lenders count a portion or all of sustained overtime with payslip and PAYG history.
Will shift allowances count?+
Yes, with the right lender. The discount applied varies - we model the difference before lodging.
Can casual nurses qualify?+
Yes. A small number of lenders treat established casual nursing income favourably. Subject to assessment.
Can nurses buy investment property?+
Yes. We model investment lending across your full position.
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.