Handover Podcast

You work hard for your income. But is your lender counting all of it?

In this episode of The Handover Podcast, Dom and Carla unpack home loan options for nurses and midwives in Australia, including how eligible applicants may buy with a 10% deposit and no lenders mortgage insurance (LMI).

From overtime and shift penalties to salary packaging and agency work, they explain why the way a lender reads your payslip can make a big difference to your borrowing power.

In this episode:

• Home loan benefits available to eligible nurses and midwives, and how they differ from first home buyer schemes.

• How lenders assess overtime, penalty rates, casual and agency income.

• Salary packaging and why a novated car lease still matters to your application.

• How credit card limits, car loans and buy now, pay later commitments can affect borrowing capacity.

• The trade-offs between a lower rate, a smaller deposit and borrowing more.

• What to ask your broker before applying, and what support to expect after settlement.

Plus, hear how Nurse Money became Healthcare Home Loans, and why helping nurses and midwives remains close to the team’s heart.

Whether you’re buying your first home, upgrading or considering an investment property, this episode will help you understand your options and ask better questions.

Want to explore your home loan options? Book a discovery call with Healthcare Home Loans:

https://www.healthcarehomeloans.com.au/book-in/

General information only. Eligibility, lending criteria and lender policies apply. Benefits vary by lender and individual circumstances.

Buying your first home is exciting, but knowing where to start can feel overwhelming. How much can you borrow? What repayments fit your lifestyle? And how will a lender assess your overtime, penalty rates or agency income?

In Episode 4 of Handover Podcast, Domenic and Carla Nesci from Healthcare Home Loans walk through the financial side of buying your first home in Australia, with a focus on nurses, doctors, midwives and allied health professionals.

From understanding your borrowing capacity to preparing for pre-approval, this episode explores the questions to ask before you start inspecting properties.

In this episode:

• Borrowing capacity versus what you can comfortably afford

• How lenders assess living expenses and healthcare income

• Overtime, penalty rates, allowances and salary packaging

• Casual, agency and locum work and demonstrating income consistency

• How HECS-HELP, credit cards and car finance can affect borrowing power

• First home buyer schemes, low-deposit options and stamp duty concessions

• Gifted deposits, genuine savings and family guarantors

• Lenders Mortgage Insurance (LMI) waivers for eligible healthcare professionals

• Purchase costs beyond your deposit

• Pre-approval conditions and changes that could affect your application

Whether you’re ready to buy or planning a year or two ahead, join Dom and Carla for a practical conversation about understanding your numbers and preparing for your first home.

DISCLAIMER

This episode provides general information only and does not constitute personal financial, credit, tax or legal advice. Examples are illustrative. Lending policies, government schemes, eligibility requirements and rates may change. Any lending benefits discussed are subject to lender criteria, assessment and approval. Consider your circumstances and seek appropriate professional advice before making decisions.

Buying a home can feel overwhelming, even when you’ve saved a deposit and done your research. How much can you borrow? How much can you comfortably repay? And what happens if you need to sell your current home before buying the next one?

In this episode of The Handover Podcast, Domenic and Carla unpack the questions they hear from first home buyers and next home buyers every day. They talk through the difference between borrowing capacity and what fits your lifestyle, the costs beyond your deposit, ways to buy with a smaller deposit, and the choices involved in selling and buying your next home.

If you’re feeling unsure where to start, this conversation will help you identify the questions to ask and the people who can help you answer them.

The Handover Podcast is brought to you by Healthcare Home Loans. General information only; lending options and eligibility depend on your circumstances and the lender.

Should you buy property alone, or could purchasing with a partner, family member or someone else help you enter the market sooner?

Buying property with another person can increase your borrowing power, expand your options and make the upfront costs easier to manage. But it also introduces important decisions around financial contributions, responsibilities, expectations and long-term plans.

In this episode of The Handover Podcast, Domenic and Carla explore the practical advantages and potential risks of buying property alone versus buying with someone else. They discuss the importance of planning before you begin, understanding each person’s role and seeking the right professional advice before making a major financial commitment.

They also examine where buyer’s agents may add value in today’s property market and how the right support can help buyers make more informed decisions.

In this episode:

00:00 – Should You Buy Property Alone or With a Partner?

06:39 – Planning, Roles and Options for Buying Successfully

13:50 – Why Professional Property Advice Matters

16:36 – The Value of a Buyer’s Agent in Today’s Market

19:09 – The Pros and Cons of Buying Alone or With Others

Whether you are considering purchasing on your own, with a partner or alongside someone else, this episode will help you understand the questions you should ask before taking the next step.

The Handover Podcast explores money, property, career and life outside the hospital, with conversations designed for Australia’s healthcare community.

Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial, legal or property advice. You should seek advice from appropriately qualified professionals based on your individual circumstances before making any financial or property decisions.

What is happening in Sydney’s spring property market, and is now the right time to buy?

In the first episode of The Handover Podcast, Domenic and Carla Nesci break down Australia’s changing property market, with a focus on Sydney’s spring selling season and what current conditions could mean for home buyers, property investors and healthcare professionals.

They explore how interest rates, lending policy changes, economic uncertainty and household expenditure benchmarks can affect borrowing capacity and property prices. They also discuss buyer negotiation strategies, risks to consider and where opportunities may be emerging across the market.

Whether you are preparing to buy your first home, upgrade your current property or build an investment portfolio, this episode will help you better understand the market and make your next move with greater confidence.

In this episode:

• What Sydney’s spring selling season means for buyers

• How banks are adapting their lending and investment policies

• Current trends affecting the Australian property market

• How interest rates and HEM can influence borrowing capacity

• Opportunities and risks in the current market

• Negotiation strategies for property buyers

• Why professional advice matters when making major financial decisions

CHAPTERS

00:00 Sydney Spring Selling Season and Property Market Insights

05:30 Banks Adapt to Changes in Borrowing and Investment Policies

06:41 Australian Property Market Trends Amid Economic Uncertainty

15:42 How HEM and Interest Rates Affect Borrowing Capacity

19:14 Opportunities and Risks in the Current Property Market

25:19 Why Professional Advice Matters in Financial Decisions

ABOUT THE HANDOVER PODCAST

Your shift might be over, but the handover is just getting started.

Hosted by Domenic and Carla Nesci, The Handover Podcast explores money, property, career and life outside the hospital. Each episode offers practical conversations designed for nurses, midwives, doctors, allied health professionals and the wider healthcare community.

READY TO DISCUSS YOUR PROPERTY GOALS?

Book a complimentary 15-minute call with Healthcare Home Loans to understand your position and explore your options:

https://www.healthcarehomeloans.com.au/book-in/

Learn more about Healthcare Home Loans:

https://www.healthcarehomeloans.com.au/

FOLLOW HEALTHCARE HOME LOANS

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TikTok: @healthcarehomeloans

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DISCLAIMER

The information in this podcast is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider seeking professional advice before making any financial or property decisions. Lending criteria, eligibility requirements, fees and conditions vary between lenders and may change.

Wealthi Money Pty Ltd trading as Healthcare Home Loans. Credit Representative 542543 under Australian Credit Licence 389328.