Your first home in Adelaide. Shifts, overtime and all.
One broker who works only with medical and allied health professionals, and knows how shift work, part-time hours across clinics, grad contracts and ABN income should be read.
Book a 15-minute call →Eight ways into your first home, sooner.
Health workers get paid in ways a standard bank calculator doesn't handle well. We know which lenders read it properly, and which schemes fit.
5% Deposit Scheme
Buy with 5% down and no Lenders Mortgage Insurance. No income caps. Property price caps apply. Accessed through participating lenders.
Family guarantee
A parent's home equity stands in for the deposit, so you could buy with little or no deposit and no LMI.
LMI waivers for health professionals
Some lenders waive LMI for eligible health professionals with a smaller deposit. Which roles qualify varies by lender, so we check yours.
Overtime & penalties
Shifts, penalties, allowances and overtime are real income. Some lenders count far more of it than others.
New grad contracts
Some lenders want you through probation first. Others will assess a new health-sector contract much sooner.
On an ABN
Locum, contractor or newly self-employed? Plenty of lenders want two years of returns. Some will assess one.
A HELP balance
HELP repayments still reduce borrowing power, and lenders treat them differently. We find the ones that fit.
Help to Buy & super saver
Shared equity with as little as 2% down, or FHSS savings released from super. Eligibility criteria apply.
No stamp duty on a new first home in SA. Plus a $15,000 grant.
Eligible first home buyers in South Australia pay no stamp duty on a new home, or on vacant land to build one, with no value cap. Buying or building new can also attract the $15,000 First Home Owner Grant. Paired with a 5% deposit, building new in Adelaide can need far less cash up front than you'd expect.
Applies to eligible new homes and vacant land in SA; established homes don't qualify. Grant and duty relief are separate applications with their own criteria. Confirm with RevenueSA and your conveyancer.Built for health workers, not generic borrowers.
Health professionals only
Physios, nurses, OTs, paramedics, psychologists, pharmacists, doctors, dentists and every allied health role in between. We know what your payslip actually means.
Schemes and lenders, side by side
5% Deposit Scheme, family guarantee, LMI waiver or Help to Buy. We lay out the options so you pick the right route, not just the first one.
Calls that fit your roster
Night shift, weekends, a 7am start. We call when it suits you and handle the paperwork with the lender.
Two minutes from you. The legwork from us.
Tell us where you're at
A few details above. It takes about two minutes.
We call you
Within one business day, at a time that suits your shifts.
We compare lenders and schemes
Then come back with options in plain English, and handle the application.
Ready to talk it through? Two minutes from you.
Book a 15-minute call →Do I need a 20% deposit?
Not always. Through the 5% Deposit Scheme, eligible first home buyers can buy with a 5% deposit and no LMI, with property price caps. A family guarantee or an LMI waiver for eligible health professionals can also reduce what you need. Which route fits depends on your situation.
Will lenders count my overtime and penalties?
Many will count some of it. How much, and how much history they want to see, varies a lot between lenders. That difference alone can change what you can borrow, which is why we compare.
I've just started my grad year. Is it too early?
Not necessarily. Some lenders will assess a new health-sector contract before probation ends. Others want to see more payslips first. We can tell you where you stand.
Does my HELP debt stop me buying?
No, but the compulsory repayments reduce your borrowing power, and lenders treat HELP differently. We factor it in when comparing lenders.
Do you give advice on the First Home Super Saver Scheme?
No. FHSS is a super and tax matter, so talk to your accountant or a licensed financial adviser. We arrange the home loan and are happy to work alongside them.