Nurses, doctors, paramedics and other frontline healthcare workers can sometimes access reduced deposit requirements and waived lender's mortgage insurance. We'll check what you're eligible for.
Meet Mel and the Zest team, who've helped hundreds of healthcare workers secure finance for their own home.
Nurses, doctors, paramedics and other frontline healthcare workers can sometimes access reduced deposit requirements and waived lender's mortgage insurance. Eligible professions and eligible loan amounts vary widely from bank to bank, so a benefit offered by one lender may not exist at another. Lenders can also differ in how they treat overtime and shift penalties when working out your income.
We check what you are eligible for and compare 60+ lenders so you are not missing out on a benefit you have earned. Our team is based in Springfield and works with healthcare workers across Springfield and Ipswich.
At Zest Mortgage Solutions, we believe healthcare workers deserve a lending experience that's just as caring as their work. 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 your eligibility and look at what industry-specific benefits apply to your profession. No cost, no obligation.
Not every lender offers the same healthcare worker discounts, and eligible professions and eligible loan amounts vary widely from bank to bank. We compare across 60+ lenders to make sure you're not missing out on a benefit you've earned.
Once we've identified the right lender, we manage the application and can often fast-track pre-approval so you can move quickly when you find the right property. We'll keep you updated at every step.
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Our healthcare worker home loans suit nurses, doctors, midwives, paramedics, pharmacists and allied health professionals. Some lenders offer special policies for eligible health professionals, such as reduced or waived lenders mortgage insurance. See also our essential worker and professionals pages.
Every lender is different, so we'll confirm the exact list for your situation before you apply.
With hospitals, medical centres and aged care facilities across the region, including Ipswich Hospital and the growing health precinct at Springfield Central, many of our clients work in healthcare. We understand rosters, shift work and how lenders treat that income.
Our clients include nurses, midwives, doctors, paramedics, pharmacists and allied health staff who work at Ipswich Hospital, the private hospital and medical centres around Springfield Central, local GP clinics and aged care homes across the region. Many work rotating rosters, and that is often where an application goes wrong. Some lenders count your overtime, shift penalties and allowances in full, some only count part of them, and some want a longer history before they count them at all. We work out which lenders will recognise the income you actually earn.
Some lenders also offer eligible medical and health professionals a higher loan-to-value ratio without lenders mortgage insurance, or a reduced LMI cost. Which professions qualify, and the loan size and deposit needed, differ from lender to lender and change over time, so we check the current policy for your exact role and registration before you apply. If you are a first home buyer, we will also check whether a government scheme such as the 5% Deposit Scheme suits you better.
Shift work can make it hard to get to an office. We can talk by phone if that is easier around your roster, and you are welcome to meet us at our Springfield office in Brookwater or our Ipswich office on East Street. Read more in our guides for nurses, allied health workers and hospital staff, or see our list of suburbs popular with healthcare workers.
Want to talk it through? Book a free chat with Mel and the Zest team, or call (07) 3461 6499.
Some lenders offer LMI waivers or discounts to eligible health professionals. Eligibility depends on your profession and the lender's policy.
Many lenders will count some or all of your regular overtime and allowances, usually if there's a consistent history.
Yes. Many lenders offer doctors and specialists higher borrowing limits with reduced or no LMI, subject to eligibility.
Yes, some lenders accept casual or contract healthcare workers with a stable history in the industry.
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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."
