Carla Nesci

Deciding whether to fix your rate isn’t just a financial question. For many healthcare professionals, it’s about managing stress, mental load, and choosing a loan structure that fits how you actually live, not just what looks best on paper.

If you’re a healthcare worker thinking about buying or refinancing, the first question is usually simple: what can I actually afford? This guide explains how borrowing capacity calculators work, where they fall short, and how to use them as a starting point, not the final answer.

A Financial Health Check is a low-pressure conversation designed to help healthcare workers replace assumptions with clarity. Understand your borrowing capacity, interest rate, equity, and realistic next steps, without committing to a loan or decision.