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Aged Care Worker

Aged Care Worker Home Loan Australia: Real Lending for Sector Workers

Q: I'm casual at 3 different aged care facilities. Will banks lend?

Yes — multi-facility casual common in aged care. Some lenders much better than others.

Q: How much can I borrow on $55K aged care income?

On $55K + 20% deposit: typically $360K–$450K. Better with combined income.

Q: My partner and I both work aged care. Can we apply jointly?

Yes — joint application standard. Two on $55K each can typically borrow $700K+.

Q: Will banks count my weekend penalty rates?

Depends on lender. Some 80%; others 100% with 12+ months penalty history.

Q: Can I use the First Home Guarantee as an aged care worker?

Yes — eligible aged care workers can use FHB Guarantee. Caps apply.

Mortgagefy Broker Team · Published 2026-04-29 · Last reviewed 2026-04-29

Aged care worker income — casual loadings, multiple facilities, shift work — banks default to conservative serviceability. Mortgagefy knows lenders who count it properly.

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Who this guide is for

Australian aged care workers — PCAs, ENs, AINs, support workers — wanting home loans that recognise casual loadings and multi-facility employment.

Casual and part-time aged care workers across multiple facilities
PCAs and personal care assistants in residential aged care
NDIS support workers in disability care
South Asian aged care workers (Filipino, Indian, Nepali) needing cultural support

The real challenge

Aged care worker income is often built from multiple casual roles, weekend and night penalties — and major banks discount this aggressively. Many aged care workers are told they can't qualify when they actually can.

Specialist lenders count casual income at 100% with 12+ months' history and handle multi-employer applications smoothly.

How Mortgagefy helps

Mortgagefy works with lenders who treat aged care worker income properly. We document multi-facility income, identify lenders comfortable with casual structures, and present applications that maximise borrowing capacity.

Free advice. Honest assessment.

How it works — 4 simple steps

Free aged care chat

20-minute call about your facilities, shifts, casual income and target home.

Compare lender options

We identify lenders that maximise aged care worker borrowing.

Application package

We compile your payslips, employment letters and shift documentation.

Settle your home

Approval through to settlement with ongoing support.

Frequently asked questions

I'm casual at 3 different aged care facilities. Will banks lend?

Yes — multi-facility casual income is acceptable. Some lenders find it harder than others. We choose lenders comfortable with multi-employer aged care structures.

How much can I borrow on $55K aged care income?

Depends on deposit and debts. With 20% deposit, $55K typically supports $360K–$450K borrowing. Combined household income improves this significantly.

My partner and I both work aged care. Can we apply jointly?

Yes — joint applications are standard and improve serviceability significantly. Two aged care workers on $55K each can typically borrow more than $700K.

Will banks count my weekend penalty rates?

Some count 80%; others count 100% with 12+ months' history. For aged care workers where weekend rates are a major income component, lender choice matters.

Can I use the First Home Guarantee as an aged care worker?

Yes — eligible PR/citizen aged care workers can use the FHB Guarantee. Income caps and property price caps apply.

Get an aged care worker home loan assessment

Free 20-minute call about your real options including weekend penalties and multi-facility work.

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Get your personalised answer in 2 minutes

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