02 9389 1077
Home Loans for Nurses Australia
Brampton Finance helps registered nurses, enrolled nurses, nurse practitioners and agency nurses compare home loans across a panel of 40+ lenders. We review your base salary, shift allowances, overtime and employment arrangements alongside your deposit, expenses and existing debts.
Whether you are buying your first home, upgrading, refinancing or investing, we explain which documents are needed and how suitable lenders assess your application. Established in 2006, Brampton Finance assists borrowers across Australia from offices in Bondi Junction and Malvern.
Shift allowances, penalty rates and overtime
Nursing income can vary with night shifts, weekend work, public holidays and additional hours. For an initial review, provide recent payslips showing the different components of your pay and year-to-date earnings. If available, include an income statement and an employment letter confirming your role and contracted hours.
The income a lender accepts depends on its policy and the evidence of consistency and likely continuation. We check the available history and any changes to your roster before estimating borrowing capacity. Additional shifts should not be assumed to increase the loan amount by a fixed amount.
Agency, casual and multiple-employer income
Tell us when you started with each employer or agency, whether the work is permanent, casual or fixed term, and whether your hours have changed. Keep payslips and bank statements for each income source separate so they can be reconciled. We can then check the employment-history and income requirements of suitable lenders.
If you are returning from parental leave, on probation or moving between hospitals, provide the relevant contract or return-to-work details. These circumstances need individual assessment; being a nurse does not guarantee approval.
Salary packaging and existing commitments
Provide your salary-packaging statement as well as your payslips, including details of any novated lease or other deductions. We review the underlying income and commitments together to avoid counting a benefit twice or overlooking a repayment. Include HECS/HELP debt, credit card limits and other loans in the initial discussion.
Deposit options and professional policies
Your deposit, purchase costs, property value and loan purpose all affect the options available. Ask us to check whether a current healthcare professional policy applies to your registration, role and income. Any lenders mortgage insurance concession or other professional benefit is subject to the lender’s eligibility criteria and approval.
First-time buyers can also read our first home buyer guide. We can review any potentially relevant assistance against the current rules and your circumstances.
Buying, refinancing and investing
For a purchase, we help assess your budget and prepare the documents needed for an application. If you already own a home, our refinancing guide explains how we compare loan costs, features and switching expenses. For a rental property, see our investment property loan guide.
Nurse home loan questions
Can casual or agency nurses apply? They may have options, subject to the income history, employment evidence and other requirements of the lender. We review these before recommending an application.
Will all overtime and penalty rates count? Not necessarily. The accepted amount and supporting documents vary between lenders. Bring the breakdown of your pay so we can assess it accurately.
What should I prepare first? Recent payslips for each job, employment details, salary-packaging information, deposit or equity details and a list of debts are useful starting points. Further documents will depend on your circumstances.
Speak with Brampton Finance
Call 02 9389 1077 or request a nurse home loan assessment. We will review your income arrangements and goals, explain the next steps and compare suitable lending options.