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Full Income Assessment

Home Loans for Nurses in NSW — We Count Every Dollar You Earn

Nursing income is more than just a base salary. We work with lenders who include shift allowances, overtime and penalties — so your borrowing capacity reflects what you actually earn.
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0414 406 887
Shift allowances & overtime counted

A Home Loan That Reflects the True Value of What You Do

Nurses are among the hardest-working professionals in Australia — yet many are surprised to find that standard lenders don’t fully count their income. Shift allowances, overtime, casual loading and penalty rates can make up a significant portion of a nurse’s earnings, but many lenders only assess base salary. The result? A borrowing capacity that doesn’t reflect reality.
At Bang On Investments, we work with lenders who understand nursing income — and who are willing to include allowances and overtime in their assessment. This can make a meaningful difference to what you can borrow and the property you can buy.
We help nurses find the right home loan across Sydney and NSW — including Chatswood, North Sydney, Strathfield, Concord, Willoughby and the Southern Highlands.
Call 0414 406 887
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Nurse Home Loans

“Bang helped make the entire experience feel less painful. Their knowledge of the process was second to none and the service was excellent.”

Josh R

How We Help Nurses Get a Better Home Loan

1

Full Income Assessment — Including Allowances & Overtime

We identify lenders who include shift penalties, overtime, casual loading and allowances in their income assessment — not just your base salary. For many nurses, this increases borrowing capacity significantly compared to going directly to a major bank.
Find out how much you could actually borrow — call 0414 406 887
2

LMI Concessions for Healthcare Workers

Some lenders extend LMI waivers or reduced LMI premiums to nurses and allied health workers — allowing you to buy with a smaller deposit and avoid or reduce the LMI cost. Eligibility varies by lender, registration and income. We’ll check what’s available for your specific situation.

Check your LMI eligibility — call 0414 406 887
3

Loans for Casual, Agency and Multi-Employer Nurses

Whether you’re permanent, casual, agency-based or working across multiple hospitals, we work with lenders who can assess your income fairly. Casual and agency nurses often have more borrowing options than they realise — the key is presenting the application correctly.

Casual or agency nurse? Call 0414 406 887 — there are options for you
4

First Home Buyer Guidance

If you’re a nurse buying your first home, we’ll guide you through every step — from borrowing capacity to settlement. We’ll also ensure you access the First Home Owner Grant and any stamp duty concessions you may be eligible for in NSW.

First home buyer? Call 0414 406 887 — we'll walk you through it

“Bang and the team were so fantastic to work with. Their positivity and professionalism made for a fantastic process and we felt supported every step of the way.”

Xanthe L

Home Loan FAQs for Nurses

Not all of them — but many do. The key is knowing which lenders are most generous with nursing income. We match you to lenders who will count your full earnings, not just your base salary, which can significantly increase your borrowing capacity.

Yes — though it can be more complex than for permanent employees. Most lenders want to see 12 months of consistent casual income. We work with lenders experienced in assessing casual nursing income and will find the right fit for your situation.
Some lenders do extend LMI concessions or waivers to nurses and allied health professionals, though the terms differ from those available to doctors. We’ll check your eligibility across our lender panel and tell you what’s available to you.
Yes. We work with lenders who understand agency and multi-employer income structures and can assess your combined earnings appropriately. It’s more complex to present — but we know how to do it.
Most lenders require a minimum 5–10% deposit, though 20% avoids LMI. If you qualify for an LMI concession, you may be able to borrow more with a smaller deposit. We’ll work through the options with you.

Have a question about nurse home loans?

Call 0414 406 887
Email Us

Please note that every client’s situation is unique and terms and conditions apply. Contact us to initiate a full application assessment to determine an outcome.

You Take Care of Everyone Else — Let Us Take Care of Your Home Loan

Get in touch for a free, no-obligation assessment. We’ll review your full income — including allowances and overtime — and find you the best available home loan for your situation.

Call 0414 406 887
Email us
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