Home Loans for Nurses & Midwives
Supportive, profession-aware finance that works with your income, not against it.
We work with a wide panel of lenders who understand healthcare roles, shift work, and variable income.
What We Offer
Your Role Is Demanding. We Make Home Loans Simpler
✔️ Tailored support for nurses & midwives
✔️ Lenders that recognise shift work, overtime & agency income
✔️ Borrowing structures matched to your employment style
✔️ First home, refinance, or investment options
✔️ Broker-managed process from start to finish
✔️ Fast response (usually within 24–48 hours)
Are You Eligible?
We regularly help registered nurses, enrolled nurses, and midwives, including those employed casually or via agencies. Even if you’re self-employed or recently changed roles, we can help you assess what’s possible.
Basic Eligibility
Currently employed as a nurse or midwife in Australia
PAYG, casual, contract or self-employed structures considered
Looking to purchase a home, refinance, or invest
Loan size and deposit will affect the structure — we’ll walk you through it
Why Nurses Come to Us?
We Understand the Industry — And the Roadblocks
✔️ We work with lenders who understand variable income
✔️ No need to explain every shift or payslip
✔️ Advice tailored to your job and lifestyle
✔️ We explain things simply and act in your best interest
✔️ Free initial consultation no pressure, no upfront costs
How It Works?
Free Loan Review
Send through a quick enquiry form and we’ll call you back (usually within 1–2 business days) for a quick chat.
We Find Lender Options
We assess your profile and match you to lenders who suit your role and income type.
Personalised Support
If you're happy to proceed, we handle the paperwork and keep things on track through to settlement.
Real Support from Real Brokers
You Won’t Be Passed Around
With Capital Lenders, you’ll speak to the same experienced broker throughout. We’re here to answer questions honestly, break down your options clearly, and guide you through the process at your pace.
STILL NOT SURE?
Frequently Asked Questions
Question 1: Do you only help nurses and midwives?
No — we assist clients from all walks of life. But we’ve developed strong experience helping nurses and midwives navigate lending, especially where shift work, overtime, or multiple roles can affect how your income is assessed.
Question 2: Can you help if I’m employed casually or through an agency?
Yes. Many of our clients work casually or across multiple employers. We work with lenders who are comfortable assessing non-standard income, provided you meet other basic eligibility criteria.
Question 3: Do you offer waived LMI for nurses and midwives?
We don’t currently offer lender mortgage insurance (LMI) waivers as a blanket benefit. However, we may be able to help you structure your loan in a way that minimises your upfront costs. Terms apply and we’ll explain what’s possible based on your deposit and lender.
Question 4: What documents will I need to get started?
Generally, we’ll need your ID, recent payslips, and possibly your AHPRA registration number. If you’re self-employed or casual, we might also request tax returns or bank statements. We’ll guide you through it step by step.