Australia's mortgage broker for Registered Nurses, Enrolled Nurses, Midwives and Nurse Practitioners. LMI waivers up to 90% LVR. Shift allowances and overtime accepted at full value. Permanent, casual, agency — we know which lender approves you fastest.
90%
LVR with LMI waiver
100%
Shift allowance accepted
40+
Lenders compared
$0
Broker fees
From your first hospital role to senior nurse practitioner, we structure home loan applications around how nurses actually get paid.
Full LMI waiver eligibility up to 90% LVR. Public hospital (NSW Health) or private (Ramsay, Healthscope, etc.) — we know each lender's policy preferences.
Most LMI-waiver lenders also extend the policy to ENs with stable employment. Same approval pathway, same rate benefits.
Midwives qualify under healthcare professional packages. We've placed midwives at Royal Hospital for Women, Westmead and Liverpool with strong rate outcomes.
As advanced practice nurses with higher income, NPs often qualify for LMI waivers up to 95% LVR with select lenders.
Casual and agency nurses with 6+ months consistent shifts can borrow strongly. We pick lenders that accept casual income at 100% — not discounted.
First-year graduates can buy with First Home Guarantee (5% deposit, no LMI) plus our help structuring around your starting salary.
The difference between a "yes" and "no" often comes down to how shift allowances and overtime are treated.
| Income Component | Major Bank | Specialist Lender |
|---|---|---|
| Base salary | 100% | 100% |
| Shift allowances (afternoon/night) | 50–80% | 100% |
| Weekend penalties | 50–80% | 100% |
| Regular overtime | 50% | 80–100% |
| Penalty rates (public holidays) | 50% | 80–100% |
| Salary packaging benefits | Often ignored | Counted (NFP hospitals) |
| Casual/agency income | 60–80% | 100% (12+ months) |
For an RN earning $75K base + $25K allowances/overtime, the right lender choice can mean the difference between borrowing $400K and $580K.
We know every lender's healthcare LMI policy — not all "professional packages" are equal. Some waive at 85%, others at 90%, a few at 95%. We pick the right one.
Lender selection can lift your borrowing capacity by $100K+ when shift allowances and overtime are recognised properly. Free borrowing capacity comparison.
Free for you — lenders pay our commission upon settlement. Independent advice across 40+ lenders, no obligation.
20-minute call. Tell us your role, employer, payslips and target property price.
We compare LMI policies across 40+ lenders to find the highest LVR and best rate for your role.
We compile documents, lodge the application, and liaise with the lender. Pre-approval typically within 2–5 days.
We coordinate with your conveyancer through to settlement — typically 4–6 weeks total.
Tell us about your role and income — we'll respond within 24 hours.
"I'm an RN at Westmead working night shifts — the major bank I tried only counted 50% of my shift allowances. Mortgagefy found a lender that took 100%, lifting my borrowing by $130K. Settled my Marsden Park home 5 weeks later."
Mei L., RN
Westmead Hospital
"Agency nurse with two banks declining me — Mortgagefy explained which specialist lenders accept agency income at full value. Got me approved at 88% LVR with no LMI through their healthcare professional package."
Janelle T., RN
Agency, Liverpool
"My partner and I are both RNs — we used Mortgagefy for our first home in Penrith. They got us 90% LVR with no LMI, saving us about $24K in fees. The whole process took 4 weeks. Highly recommend."
Sarah & Tim P., RNs
Penrith, First Home Buyers
Free 20-minute consultation, no obligation. We'll show you which lenders waive LMI for your role.
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