Client Profile
Serena, a registered nurse with 5 years of experience, works in a Sydney public hospital, earning $105,000 annually. Her income included base pay, weekend shift penalties, and consistent overtime.
The Challenge
She was told by her bank that she could only borrow $540,000, which wouldn’t be enough to buy in her desired area. The bank had excluded all her overtime and allowances, despite them being a regular part of her income.
Our Strategy
- Used a 6-month income history to prove consistent overtime, shift loading, and nurse-specific allowances
- Built a comprehensive case with employment letters, payslips, and bank statements to validate income stability
The Result
- Boosted her borrowing capacity to $645,000 by getting 100% of her income counted
- Pre-approved within 5 business days
- Accessed a sharp interest rate and lender cashback, putting money back in her pocket
Conclusion
Serena secured the home she wanted with confidence. Our deep understanding of nursing income and lender policies made all the difference. When it comes to helping nurses buy property, we know how to get it done.
