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Allied Health — Group 2

Exclusive Home Loan Benefits for Nurse / Midwifes

As a nurse / midwife, exclusive home loan benefits including LMI waivers and higher LVR limits.

Up to 90%

LVR Without LMI

$8K–$36K+

Potential LMI Savings

Multiple

Lender Options

Check My Eligibility — Free See Lender Comparison ↓

How Different Lenders Treat Nurse / Midwifes

Not all lenders offer the same benefits. Here's how the major categories compare:

Lender Category	Max LVR (OO)	Investment LVR	Key Conditions
Some Lenders	❌ Not eligible	N/A	Nurses/midwives explicitly excluded from professional package.
Select Lenders	❌ Not eligible	N/A	Nurses not listed in Medico or Professional offers.
Certain Lenders	❌ Not eligible	N/A	Nurses not included in any professional category.
Other Lenders	90%	90%	Group B classification. ✅ ONLY lender group accepting nurses. Min $90K income.

Lender names shown generically. Contact us to find out which lenders match your situation.

Check Your Nurse / Midwife Benefits

Free, no-obligation assessment. Find out exactly what you qualify for.

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Why Choose Finance Hub?

We specialise in professional home loans and know exactly which lenders offer the best terms for your profession

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Profession Specialists

We understand the specific lending policies for nurse / midwifes and match you with the right lender.

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40+ Lender Panel

Access to all major banks and specialist lenders, ensuring you get the best rate and terms.

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$0 Cost to You

Our service is completely free. We get paid by the lender — not by you.

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Ongoing Review

We review your loan every 6-12 months to ensure you're always on the best deal.

Frequently Asked Questions

Common questions about nurse / midwife home loan benefits

Why do so few lenders accept nurses? +

Most lenders designed their professional packages around high-income professions like doctors and lawyers. Only one major lender group has expanded their program to include nurses and midwives. This makes having a broker who knows this policy absolutely essential.

What's the minimum income required? +

The lender that accepts nurses requires a minimum gross income of $90,000 from your nursing/midwifery role. This can include base salary plus regular penalty rates, overtime, and allowances if they're ongoing.

Are enrolled nurses eligible? +

The professional package specifically covers Registered Nurses (Division 1) and Midwives registered with AHPRA. Enrolled nurses (Division 2) may not be eligible under the same category. Contact us for a specific assessment.

Can shift allowances and penalties count toward the $90K? +

Generally yes — regular, ongoing shift allowances and penalty rates can be included in your income assessment. However, one-off overtime or irregular additional shifts may be treated differently. Your broker will help present your income in the best light.