By Antima Bisural Kandel – Mortgage Broker & Registered Nurse, Rayz Financial Services
As a registered nurse and mortgage broker, I truly understand both the pressures of shift work and the dream of owning your own home. The great news is—if you’re a nurse, doctor, or healthcare professional, there are special benefits available that can help you get into the property market sooner.
At Rayz Financial Services, we specialise in helping medical professionals navigate the home loan process with tailored advice and lending options designed just for you.
1. Low Deposit Loans – Often With No LMI
Most people need a 20% deposit to avoid Lenders Mortgage Insurance (LMI). But as a nurse or medical professional, you may be eligible for LMI waivers with just a 10% deposit—sometimes even 5%.
Rayz Tip: You could save thousands and get into your new home faster with the right lender.
2. Your Shift Work Income Counts
Banks often struggle to assess variable income like overtime, night shifts, and agency work. But some lenders are more flexible—especially for healthcare workers.
Rayz Tip: I know how to present your income properly and connect you with lenders who understand how nurses and medical staff are paid.
3. Medico & Healthcare Loan Policies
There are specialised loan products designed just for medical and allied health professionals, including:
- LMI waivers
- Higher borrowing limits
- Reduced interest rates
- Fast-tracked approval
Rayz Tip: These policies aren’t always advertised publicly—but we know where to find them.
4. Government Support Schemes
You may still qualify for first-home buyer support, including:
- First Home Guarantee (5% deposit, no LMI)
- First Home Owner Grant (FHOG)
- Stamp duty exemptions (state-based)
Rayz Tip: We’ll help you combine lender benefits with government schemes to boost your borrowing power.
5. Expert Help from Someone Who Gets It
I know how busy and demanding healthcare life can be. Between double shifts, rosters, and family time, it’s hard to research loans or deal with paperwork.
Rayz Tip: Let me handle the legwork while you focus on what matters most. I’ll take care of everything—from comparisons to settlement.
Why Work With a Mortgage Broker Who’s Also a Nurse?
Because I understand:
- Irregular work hours
- Contract or casual income
- Career growth in healthcare
- The importance of feeling secure at home
At Rayz Financial Services, we’re proud to support our healthcare community with personalised, professional advice—because we’ve been in your shoes.
Ready to Start Your Homeownership Journey?
You’ve spent your career looking after others—now it’s time to secure something for yourself. Let’s explore your options together.
📞 You might be closer to owning your home than you think. Let’s talk.
📍 Get in Touch:
Antima Bisural Kandel
Mortgage Broker | Registered Nurse – Rayz Financial Services
🌐 www.rayz.com.au
📧 antima@rayz.com.au
📞 0452 065 138 | 02 6106 9988
📍 Based in Canberra | Serving clients Australia-wide
🏥 From one healthcare professional to another—let’s turn your dream of homeownership into reality.
