Yes, with the right lender. Lenders Mortgage Insurance normally applies when your deposit is under 20%, and it protects the bank, not you. Several lenders waive it for eligible nurses and midwives, which means you may be able to buy with a deposit of around 5% to 10% and skip a premium that can run to $30,000 or more on a higher-priced home. The waiver generally applies to a home you'll live in, not an investment property. Eligibility depends on the lender. Registered nurses and midwives are the most commonly covered group, and some lenders include other healthcare professionals as well. We check your role and registration against each policy before you apply.

Often, yes, but lenders want proof that it's regular. Casual and agency work is usually assessed on your recent history, so expect to show payslips and a PAYG summary or tax return covering at least six to twelve months. A few lenders accept a shorter track record if you've been in the same line of work for years. Many nurses also pick up a second job or agency shifts on top of a main role, and some lenders will count that secondary income too, once it's been consistent. What helps most is a clear paper trail. We look at your actual pay records first, so we know which lenders will treat your hours fairly.

They can, and for many nurses they make a real difference. Weekend, night and public holiday rates, along with overtime, are a big part of take-home pay. Lenders decide how much of it to include. Some count it in full if it's regular and appears on your payslips over twelve months, others take only a percentage, and a few ignore it unless it's guaranteed. The same pay can give you very different borrowing power depending on who assesses it. We work out which lender gives you the most credit for your actual earnings before you apply, so you don't have to guess.

It depends on the lender. Some will waive LMI as long as one of the borrowers meets the eligibility rules, usually the one with the main income. Others expect all applicants to qualify, or apply a lower loan size limit for joint applications. It's worth asking before you start house hunting, because it can change how much deposit you need. It also affects how your partner's income, debts and credit history are assessed, since those count towards the application too. We check each lender's rules on joint borrowers and choose the policy that suits your situation, so you're not caught out at the last minute.

It's possible, though your options depend on your visa status and how long you've been in your role. Lenders generally prefer Australian citizens and permanent residents, and they'll want to see your registration, employment contract and a few months of payslips. Some lenders also lend to temporary visa holders, usually with a larger deposit, and the rules differ widely. Short employment history in Australia isn't always a deal breaker if you've worked in nursing before, but it does mean choosing the right lender. We work with Urdu and Punjabi speaking nurses and other healthcare workers, and we explain each step in the language you're most comfortable with, so you understand what you're signing.

Not always. Medico policies for doctors are often more generous, with higher loan limits and lower deposits, while policies for nurses and midwives can be a bit narrower. The loan-to-value limit, maximum loan size and who counts as eligible can differ between lenders. That doesn't mean nurses miss out. Plenty of lenders offer genuinely good terms for nursing professionals, and some group nurses with other professionals in broader packages, similar to home loans for professionals. The key is matching your role to the policy that treats it best. We compare nurse-specific, healthcare and professional packages side by side, so you see the difference in cost, not just a headline offer.