Confused about how much deposit you need for your first...
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At Triple O Finance, we understand the vital role you play in keeping our communities healthy — and we’re here to support you with home loan solutions designed to suit your profession. Whether you’re navigating rotating shifts, managing contract or casual income, or still within a probation period, our specialist mortgage brokers know how to present your unique financial circumstances to lenders. From buying your first home to upgrading or investing, we’ll guide you through the process — so you can focus on delivering care while we handle the numbers.
We help you navigate first home buyer assistance programs, including stamp duty concessions and low-deposit schemes.
Secure your first home loan quickly and hassle-free, so you can focus on what matters—moving into your new home and achieving your homeownership goals.
Explore loans that require as little as a 5% deposit and government incentives like the First Home Owner Grant. Low deposit options for investment property are also available for Healthcare Professionals.
From pre-approval to settlement, we handle the paperwork and negotiations for you.
We ensure transparency in fees, loan terms, and repayments so you can budget effectively.
Access over 40 lenders, giving you more options to secure the most competitive and suitable refinancing deal.
Get started with a free strategy session to explore your best options.
Looking to build wealth through property? Many Health Care Professionals leverage their stable income to secure investment loans with better terms and higher borrowing capacity.
Want to start investing? Contact us for expert advice!
Tailored Lending Benefits for Healthcare Professionals
While this page is dedicated to nurses, we know that every healthcare professional plays a vital role in our communities. That’s why Triple O Finance proudly supports a wide range of health workers, including:
Whether you’re a frontline nurse or part of the broader care team, our lending solutions are tailored to recognise your unique income structure, career path, and contribution to the healthcare sector.
Absolutely. Eligible healthcare professionals may qualify for low or no deposit loans, including access to government schemes like the First Home Guarantee, and LMI waivers up to 90% LVR.
Yes. At Triple O Finance, we work with lenders who offer exclusive benefits for healthcare workers — including nurses, midwives, paramedics, and allied health professionals. These may include LMI waivers, discounted interest rates, and tailored lending policies.
We understand nursing rosters, shift penalties, and contract work — and we match nurses with lenders who recognise their full income and financial strength.
Not always. Some lenders offer LMI waivers for nurses borrowing up to 90% or even 95% of the property value, depending on your financial profile.
As a first home buyer, you may qualify for the First Home Owner Grant (FHOG) and stamp duty concessions, depending on your state. We’ll guide you through the eligibility criteria and help you maximize your benefits.
Yes! As a Nurse, you may be eligible for higher borrowing limits and competitive investment loan rates. We can also explore using your existing equity to finance additional property purchases.
The best loan option depends on your financial goals. Popular choices include:
We assess your financial situation and find the best structure for your investment portfolio.
Yes, Triple O Finance works with lenders who accept casual, agency, and contract income from nurses with proven track records.
Yes! Lenders consider rental income when assessing your borrowing capacity. Some lenders also take into account negative gearing benefits to improve your loan eligibility.
At Triple O Finance, we specialize in helping Nurses and Medical Professionals build long-term wealth through property investment. We guide you in:
✔️ Using equity from existing properties to purchase additional homes.
✔️ Structuring loans to minimize tax and maximize cash flow.
✔️ Finding lenders who offer the best terms for investors.
Generally, you’ll need payslips, ID, a group certificate, and proof of savings. We guide nurses step-by-step through the documentation process.
Yes, whether you work in a public hospital or private practice, we help tailor your loan options to suit your income structure and employment type.
Absolutely. Getting pre-approved gives you confidence when house hunting — and Triple O Finance helps you prepare a strong application.
Yes, refinancing may help you lower repayments, access equity, or consolidate debt. We help nurses compare over 35 lenders for the most competitive offer.
Yes — nurses may be eligible for First Home Guarantee, stamp duty exemptions, and government grants. We help you navigate all available benefits.
Yes — we work with lenders who understand healthcare rosters and consider 100% of your overtime, shift loadings, and allowances when calculating how much you can borrow.
We assist the entire healthcare sector, including physiotherapists, paramedics, radiographers, social workers, aged care workers, mental health staff, and more.
Whether you’re a first home buyer or a seasoned investor, Triple O Finance is here to help Nurses secure the best home loan solutions.
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✔️ LMI Waivers | ✔️ Higher Borrowing Power | ✔️ Discounted Interest Rates
We can not thank the Triple 0 finance team enough for their help in securing our dream home. Special shout out to Nish and Ash for their dedication, open communication and support throughout the loan application process. From day one, we knew we were in safe hands. Every time we raised a concern, they had a solution. Nish and Ash made the whole process run smoothly and secured us a fantastic rate considering the current climate. Thanks guys!
We found Ash and Triple O Finance Team through an online platform.
Ash set up an interview with me and obtained all our financial requirements and objectives.
The Initial application was for refinance of our family home for a better interest rate and some debt consolidation. Ash and his Team reviewed our application and provided us with a very competitive interest rate along with the cash back offer.
We recently worked with Triple O Finance for our mortgage needs and what a pleasure it was. Nishant is highly knowledgeable and guided us flawlessly throughout the process. During our initial call he was meticulously prepared and clearly understood our requirements. He walked us through all the options with a clear thought process and helped us choose the best option for our needs.
I recently had the pleasure of working with Nishant and Jill from Triple O Finance to purchase my house, and I couldn’t be happier with the experience. Nishant went above and beyond to ensure a smooth and successful transaction.
By our personal experience, we highly recommend Triple 0 Finance for all your loan and financial needs. Nishant and their team are exceptionally knowledgeable and adept in their fields, offering a wide range of the latest financial products. From the moment we reached out to Nishant Ramavat at Triple O Finance, his proactive and genuine guidance has continuously impressed me. Without Nishant’s assistance, obtaining a home loan and taking a step closer to realizing our dreams would have been much more challenging. Thank you so much Nishant – Manoj & Tejaswini from N.T
I have had the pleasure of working with Triple O finance since a few years. Ash and Jill have always provided a top-notch service. I have recommended them to a few of my family and friends, and they have been very happy with the service as well.
Happy with the service although settlement short falls need to be better anticipated/managed and better awareness of Bank Holidays when requesting attendance to bank branches to make payments. This unplanned activity was quite disruptive to my day as I was with clients, fortunately my manager was able to cover for me to some extent.
