Buying property with a friend or sibling can help you enter the market sooner by pooling deposits, sharing costs, and boosting borrowing power. But it also comes with risks — from different financial goals to legal responsibilities. For healthcare professionals, the right strategy (and access to exclusive lending benefits) can make co-buying a smart and safe path to home ownership.

If you’re a first-time home buyer or considering upgrading to your next property, getting pre-approved for a home loan is one of the smartest steps you can take before you begin house hunting.

Still renting? You might be paying far more than you realise. For nurses, Doctors, and healthcare professionals across Australia, the cost of renting vs buying isn’t just about weekly payments. It’s about the long-term wealth you’re missing out on by waiting on the sidelines.

For many healthcare workers, nurses, doctors, midwives, and allied health professionals, buying property can feel like a huge step, especially when juggling shift work, HECS debt, and family commitments. One increasingly popular option is buying off the plan.

You’d think that earning a big income would make getting a home loan easy. But for many doctors, the opposite is true. If your income comes from locum shifts, hospital work, telehealth consults, or even private practice, most banks see it as “too complex.” Here’s the truth: complex income isn’t a weakness, it’s one of your greatest strengths. The key is knowing how to structure it.

From 1 October 2025, the Home Guarantee Scheme will expand, making it easier for doctors, nurses, and healthcare professionals to buy their first home with just a 5% deposit and no Lenders Mortgage Insurance (LMI). With higher property price caps, no income limits, and simplified access across Australia, more healthcare workers can enter the property market sooner.

Let’s make rate types less confusing and more aligned with your lifestyle, income, and financial goals. Choosing between fixed, variable or split rate loans can feel like trying to predict the future. But it doesn’t have to be daunting. When you understand how each option works, especially through the lens of healthcare work, the choice becomes much clearer.

If you’re a doctor, nurse, or allied health professional, your stable income puts you in a strong position to buy a home, but saving a large deposit while renting and working long shifts can be tough. A guarantor home loan can help you get into the market sooner, often without paying costly Lenders Mortgage Insurance (LMI), potentially saving you tens of thousands. This guide covers what a guarantor loan is, the benefits for healthcare workers, key considerations for guaranto

Choosing the right repayment type could save (or cost) you thousands and it all depends on where you’re at in your career or property journey. When it comes to repaying your home loan, you typically have two options: interest-only, or principal and interest (P&I). They may sound similar, but they have very different impacts on your cash flow, equity, and long-term goals.

Sharni, a proud Aboriginal woman and full-time nurse, had long dreamed of owning her first home. With a property goal of $750,000, she was excited to begin her journey, until her previous broker left her deflated.

If you're a doctor in training, a nurse working locum shifts, or a healthcare worker regularly relocating for placements,  you might feel like owning property is out of reach. How do you buy a home when your work demands flexibility and constant movement? That’s where rentvesting comes in. It’s a powerful strategy that lets healthcare professionals invest in property, build long-term wealth, and maintain lifestyle flexibility, all at once.

What is an Offset Account? Think of it as a transaction account directly linked to your home loan. Every dollar you keep in there reduces the amount of interest you’re charged. Why? Because your lender calculates interest on the loan balance minus what’s in your offset.

A healthcare couple, a smarter deposit strategy, and the freedom to dream beyond their first home.

If you're a healthcare worker thinking, "I should buy soon… but I don’t even know where to begin" - you’re not alone. Life is demanding. The property market feels confusing. But the truth is: You don’t need to figure it all out on your own, and getting started is easier than you think.

Step 1: Know Your Current Rate Log into your internet banking or grab your last loan statement. Find the interest rate listed - make sure it’s your current variable or fixed rate, not the comparison rate.

Understand the Difference in Borrowing Power Between Owner-Occupied and Investment Properties As a healthcare professional planning to enter the property market in FY25/26, it's crucial to understand how your borrowing capacity can vary significantly depending on whether you're purchasing a home to live in or an investment property.

Many Australians, including healthcare professionals, assume that their banks will automatically adjust their mortgage rates in line with market changes. However, this assumption can be costly.

Webinar Highlights – EOFY 2025 With EOFY fast approaching, our recent webinar helped healthcare professionals get clear on the key financial actions to take before June 30. Here’s a quick summary of what you missed, and how to take advantage now.

Debt can either work for you - building wealth, freeing up cash flow, and unlocking opportunity or quietly erode your financial security. Knowing the difference between good debt and bad debt is essential for healthcare professionals who want to make smart, stress-free money decisions, especially in the lead-up to EOFY.

Amid the busy end-of-financial-year rush, it's easy to push your own financial well-being to the bottom of the list. But this June, we’re making it easier than ever to prioritise yourself with a free Financial Health Check designed exclusively for healthcare professionals.