A Thank You
for Keeping Us Safe.
Nurses, paramedics and police officers may qualify for specialist home loan packages that waive Lenders Mortgage Insurance up to 90% LVR - saving you thousands. We'll find the right one for you.
Specialist Lending for Essential Workers.
A handful of lenders on our panel offer special home loan packages designed specifically for nurses, paramedics, and police officers. These packages can waive Lenders Mortgage Insurance (LMI) up to 90% LVR - meaning you can buy with a 10% deposit without paying the LMI fee that other buyers would.
For a typical first home purchase in South Australia, that's often $5,000 to $15,000 in savings - money that stays in your pocket instead of going to an insurance premium that protects the lender, not you.
Three Professions, One Big Advantage
If you fall into one of these roles, you may be eligible for specialist home loan packages.
Registered Nurses
If you're a registered nurse working in public or private healthcare, you may qualify for LMI waivers and specialist lending packages.
Paramedics
Fully qualified paramedics - including those with SA Ambulance and equivalent services - can access specialist lender packages with LMI waivers.
Police Officers
Sworn-in state and federal police officers, including SA Police, are eligible for specialist home loan packages from select lenders.
From Eligibility Check to Settlement
We make the process simple. Here's how we help essential workers secure the right home loan.
1. Eligibility Check
We confirm which specialist packages you qualify for based on your profession, employment status, and income. Some lenders have specific income thresholds that change for joint applications.
2. Compare Options
The LMI waiver is just one factor. We compare interest rates, fees, features and total cost across lenders so you choose the best overall deal - not just the one with a single perk.
3. We Do the Work
From application to settlement, we handle the paperwork, lender liaison, and progress tracking. Most of our essential worker clients tell us the process was easier than they expected.
Essential Worker Home Loan FAQs
Are You an Essential Worker? Let's Check Your Options.
Book a free, no-obligation chat. We'll quickly check whether you qualify for an LMI-waiver package and run the numbers across all your options. From an award-winning local broker.