Police, teachers, paramedics and other essential workers often qualify for reduced deposit requirements and waived lender's mortgage insurance. We'll check what applies to your role.
Meet Mel and the Zest team, who've helped hundreds of essential workers secure finance for their first or next home.
Police, teachers, paramedics and other essential workers often qualify for reduced deposit requirements and waived lender's mortgage insurance. Not every lender recognises the same list of professions, though, and the discounts on offer vary considerably. Lenders can also take different views on shift work, overtime and allowances, which affects how much you can borrow.
We check what applies to your role and compare 60+ lenders to find the best fit for your job and your budget. We are local brokers based in Springfield, helping essential workers across Springfield and Ipswich.
At Zest Mortgage Solutions, we believe essential workers deserve a straightforward path to owning their own home. Here are a few recent Zest Google reviews we think you'll love!
A quick chat with Mel & the team is the best place to start. We'll confirm what benefits your role qualifies for and get a clear picture of your borrowing power. No cost, no obligation.
Not every lender recognises the same list of essential worker professions, and the discounts on offer vary considerably. We compare across 60+ lenders to find the best fit for your job and your budget.
Once we've confirmed your eligibility, we manage the application and handle any employment or industry documentation the lender needs. We'll keep you updated right through to settlement.
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Our essential worker home loans suit police officers, teachers, paramedics, firefighters, defence and other frontline workers. Shift work, allowances and penalty rates can make your income look complicated, and some lenders handle it better than others. Healthcare workers can also see our healthcare worker loans page.
Every lender is different, so we'll confirm the exact list for your situation before you apply.
Springfield and Ipswich are home to many essential workers, including teachers at local schools and staff at nearby emergency services and the RAAF Base Amberley. We help you find lenders that properly recognise your full income.
Want to talk it through? Book a free chat with Mel and the Zest team, or call (07) 3461 6499.
Many lenders count regular allowances and penalty rates, often with a history of six months or more.
Some lenders offer discounts or waivers for certain professions. We check what you may qualify for.
Often, yes, especially if you've stayed in the same industry.
If you're buying your first home, you may be eligible for government schemes. Eligibility rules change, so we check what applies to you.
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"Thank-you! As first home owners we were very unsure of the process. However, from our very first encounter with Mel, we felt comfortable and certain that we had chosen the right broker for us. Ashleigh helped us through the application process and was always prompt with emails/ phone calls and more than willing to answer our questions. You guys truly are amazing 🤩"
"Thanks to the fantastic team at Zest Mortgage Solutions. They made an incredibly complex business investment purchase extremely easy for us and kept us up to date with the process as it moved forward. I would highly recommend them and will be utilising their services in the future."
"Mel and the team have been amazing throughout the entire process. We were constantly informed and nothing was too difficult. It really couldn't have been a better experience. We would highly recommend Zest Mortgage Solutions!"
"Mel and the team at Zest Mortgage Solutions make the process of buying a house easy, there was always someone there to assist or answer questions - even during the festive season 😊 thanks team, 💯 recommend"
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"As a single mother, I never thought in a million years I could own my own home. Melissa and her team made the process so easy and stress free. I can’t thank them enough for making my dreams come true. No question was to dumb and they never made me feel like I was bothering them with all my calls for clarification! Would 10/10 recommend them to anyone looking to purchase a house."
