Home Loans Tailored for Emergency Service Personnel

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Home Loans

At 000 Home Loans, we specialise in providing home loan solutions designed specifically for emergency personnel and first responders. Whether you’re a firefighter, police officer, paramedic, or nurse, we understand your unique financial needs and are here to help.

With us, you’ll get:

  • Pre-approval made easy – know your budget with confidence.

  • Expert rate negotiation – we fight to get you the most competitive deal.

  • Smart repayment strategies – tailored to your financial goals.

  • Support from start to settlement – guidance every step of the way.

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  • Improved Loan-to-Value Ratios (LVRs): Benefit from improved LVRs, reducing the need for 20% equity.

    For Police, Firefighters and Paramedics, LVR of 92% is now extended (without LMI), for purchases and an LVR of 88%, for refinances

  • A 92% LVR without LMI is extended to nurses and midwives 

  • 95% LVR is extended to doctors and dentists,

  • 90% LVR to sonographers, speech pathologists, optometrists, pharmacists, vets, audiologists, chiropractors, occupational therapists, osteopaths, physiotherapists, podiatrists, psychologists & radiographers.

  • Comprehensive Income Assessment: 100% of shift allowances, loading, and overtime considered in capacity assessments.

  • Guarantor Loans: Access up to 104% loans with a guarantor.

  • Simplified Servicing: Easy servicing for those with a side business.

  • Exclusive Discounts: Enjoy interest rate discounts and fee-free loans.

  • Free Valuations and Refinance Rebates: Receive free valuations and up to $5,000 in refinance rebates.

  • Specialised Advice: Benefit from our credit advisors with over 18 years of experience with health & emergency professionals.

Our Home Loan Solutions

Why Choose 000 Home Loans?

Our team of experienced multi-award-winning iChoice advisors has spent over 18 years working with health professionals, giving us unique insights into the financial needs of emergency service workers. We are dedicated to helping you find the best home loan solutions that fit your specific circumstances.

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Supported By All Major Lenders

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Stay ahead with 000 Home Loans

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