Most major banks exclude nurses from professional home loan benefits like LMI waivers. But select lenders recognise your AHPRA registration — and the potential savings can be substantial.
While doctors routinely receive LMI waivers and professional lending packages, nurses are typically excluded from these benefits at most major banks — despite being essential healthcare professionals.
LMI alone can cost $15,000–$40,000+ on a typical property purchase. Here's how most banks treat nurses compared to doctors:
| Benefit | Doctors (Most Banks) | Nurses (Most Banks) | Nurses (Select Lenders) |
|---|---|---|---|
| LMI Waiver | Yes | No | Available* |
| Professional Recognition | Yes | No | Yes |
| Shift Income Fully Counted | N/A | Often discounted | 100% |
| Minimum Deposit | 5–10% | 20% (to avoid LMI) | As low as 10%* |
* Subject to lender credit criteria and individual eligibility. Based on publicly available lender policies. Individual eligibility varies.
Through our panel of 30+ lenders, we identify those offering professional benefits specifically for AHPRA-registered nurses and midwives.
Purchase with as little as 10% deposit, potentially saving $15,000–$40,000+ in Lenders Mortgage Insurance premiums.*
100% of your shift penalties, overtime, and weekend loadings may be assessed towards your borrowing capacity — not discounted.
Your nursing qualification is valued as a healthcare profession, unlocking professional lending packages typically reserved for other medical professionals.
Borrow up to 90% of the property value with just a 10% deposit — without the burden of LMI, subject to eligibility.*
* Subject to lender credit criteria, minimum income requirements, and individual eligibility assessment.
Nurses earn a significant portion of their income through shift penalties, weekend loadings, and overtime. Specialist lenders understand this — and count it all.
Potential $25,000+ difference in assessed income — meaning significantly higher borrowing power
Example only for illustrative purposes. Actual income assessment depends on individual circumstances, employment history, and lender policies.
A range of AHPRA-registered nursing professionals may be eligible for specialist home loan benefits. All require current AHPRA registration.
RNs with current AHPRA registration in all specialisations
Advanced practice nurses with prescribing authority
ENs with AHPRA registration (eligibility may vary by lender)
Registered midwives with AHPRA registration
CNS professionals in specialised clinical roles
Nurses in educational and training roles
Our experienced brokers specialise in matching AHPRA-registered nurses with the most suitable lenders for their circumstances.
We start with a no-obligation consultation to understand your situation, employment details, and property goals. There is no fee charged to you — we are paid a commission by the lender when your loan settles.
We compare options across our panel of 30+ lenders to identify which ones offer professional benefits for your specific nursing role and AHPRA registration.
We structure your application to maximise how your income — including shift penalties, overtime, and loadings — is recognised by the chosen lender.
We handle the paperwork, liaise with the lender on your behalf, and keep you informed at every step — so you can focus on your patients, not paperwork.
We support you right through to settlement and remain available for future refinancing, rate reviews, or any questions that arise down the track.
Common questions about professional home loan benefits for AHPRA-registered nurses.
Complete the form below and one of our specialist brokers will be in touch to assess your eligibility.
Your enquiry has been received. One of our specialist brokers will review your details and be in touch within 1 business day to discuss your nurse home loan options.
Speak with a specialist broker who understands nurse home loans and can match you with the most suitable lender for your situation.
This information is general in nature and does not constitute financial advice. Please consult a qualified professional for advice tailored to your circumstances. All applications are subject to lender credit criteria and eligibility requirements. Savings and benefits mentioned are estimates only and may vary based on individual circumstances. Finance Hub & Networks Pty Ltd | ACN 644 141 613 | ACL 573164 | Authorised Credit Representative of Connective Credit Services Pty Ltd ACL 389328.