With the NDIS and aged care sectors expanding rapidly, support workers and carers are increasingly recognised by lenders as essential, in-demand professionals with reliable income streams, unlocking loan benefits not available to the general public.
The savings are significant. The process is simple.
Recognition of Agency, Casual and Shift Income
Standard lenders often discount irregular income sources. Sleepover allowances, overnight rates, and agency shift income are counted in full by specialist lenders experienced in the care sector.
Overtime and Client-Related Allowances Included
Travel time, client-related payments, and penalty rates are factored into your income where a standard lender might exclude them, boosting your maximum borrowing power.
Multiple Income Source Combination
Many support workers hold more than one job across different providers or agencies. Lenders familiar with the sector can combine all income sources into one borrowing capacity assessment rather than assessing each separately.
Low-Deposit Pathways
Government-backed schemes are designed to fast-track essential workers into home ownership without years spent saving a full 20% deposit.
Combining with Government Schemes
Your profession-based perks can be stacked directly with standard government concessions to maximize your leverage:
Buy a property with only 5% deposit without paying LMI.
Single-parent support workers and carers can purchase a home with a 2% deposit.
Depending on your state, first home buyers can access full or partial exemptions on land transfer duties.
FAQs
- Can I apply if I work for multiple employers?
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Yes. Some lenders accept income from multiple casual employers. We assess your full situation and find the right fit.
- What deposit do I need?
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Standard policy generally requires a minimum 5% genuine savings deposit, subject to your individual circumstances.
- Do allowances count toward my income?
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With certain lenders, yes. Disability support allowances and travel allowances may be included. We identify which lender is most favourable for your pay structure.
- What if I am fairly new to the role?
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Minimum employment history requirements vary by lender. We find the most flexible option for your situation.
Step 1: The Strategy Session (Kick-Off)
A 15-minutes deep dive into your goals.
Step 2: The Digital Vault (Document Collection)
Upload your essential documents.
Step 3: The Blueprint (Pre-Approval)
We will find the most suitable product as per your needs.
Step 4: The Green Light (Formal Approval)
Loan agreement ready to sign off.
Step 5: The Handover (Settlement)
Legal ownership transferred and keys handover to you.
Step 6: The Watchdog (Post-Settlement)
We will keep in touch until your loan is paid-off.
