First Home Buyer Loans for Healthcare Professionals
At Healthcare Home Loans, we specialise in helping first home buyers working in healthcare secure the right finance to make homeownership possible, sooner. Whether you're a nurse, doctor, allied health worker or in aged care or support services, we understand your career and how to leverage it to your advantage with lenders.
First Home Buyer Benefits
Lower Deposits
Get into your home sooner with as little as 5% deposit (with government-backed schemes)
Waived LMI and
Avoid Stamp Duty
Waived Lenders Mortgage Insurance (LMI) up to 95% LVR. Waived Stamp duty fee.
Premium Free Service &
Fast Tack Approvals
From initial consultation to settlement we handle the entire process for you, 100% for free.
How we help First Home Buyers
Expert Guidance
We explain everything clearly, from pre-approval to settlement, and help you make informed decisions.
Grants & Incentives
We guide you through first home buyer schemes you may be eligible for, including
state-based grants and stamp duty concessions.
Higher borrowing power
Know exactly what you can afford before you start shopping.
Frequently Asked Questions
Can I get a home loan with a 5% deposit as a First Home Buyer in NSW?
Yes, as a first home buyer, you may be eligible for a 5% deposit loan with waived Lenders Mortgage Insurance (LMI), saving you thousands upfront.
What is the Home Guarantee Scheme?
The Home Guarantee Scheme lets first home buyers purchase with just a 5% deposit and no LMI. From 1 Oct 2025, bigger caps, no limits, and expanded access make it even easier for healthcare workers.
Do healthcare professionals get special home loan benefits?
Yes! Many lenders offer healthcare workers lower deposits, waived LMI, higher borrowing power, and specialist loans, and we connect you to them.
Do I need to pay Lenders Mortgage Insurance (LMI)?
Not under the Home Guarantee Scheme.
By purchasing with a 5% deposit and government backing, you can save tens of thousands in LMI costs.
Guarantor Home Loan
