Client Profile
Anita, a senior registered nurse and single mother working in a regional hospital. Her income included a $92,000 base salary, regular night shift allowances, and weekend on-call overtime.
The Goal
Anita wanted to refinance her home loan to access a better interest rate, improve cash flow, and take some financial pressure off her single-income household.
Our Strategy
- Provided a full breakdown of her income, backed by payslips and a payroll letter confirming consistent shift allowances and overtime
- Matched her with a lender that recognises the full value of nursing income
- Structured the loan as a split between interest only and principal & interest to optimise flexibility and repayments
The Result
- Anita refinanced her $760,000 loan and dropped her rate from 6.09% to 5.45%, saving over $4,800 per year in interest
- Received a $2,000 cashback to help cover costs and boost her savings buffer
Conclusion
Refinancing is one of the most powerful ways to take control of your finances. By understanding how to present nursing income properly and choosing the right lender, we helped Anita save thousands in interest and get cash back in her pocket. If you’re looking for a smarter, more flexible loan solution, let’s talk.
