Home loans / Registered nurses
Buying or refinancing as a registered nurse? Talk through your income, deposit and plans with Wity, so the home loan conversation starts with the details that matter to you.
Where you are now
Your roster, employment arrangements and home plans are useful starting points. We work through the details before discussing which lending options may fit.
My pay changes with my shifts.
Bring payslips that show your base pay, allowances and overtime, along with any changes to your roster. We can discuss what further evidence a lender may need rather than assume every part of your pay will be treated alike.
I’ve changed jobs or contracts.
Tell us about your current role, contract and employment history, including any work across employers. Your adviser can work through the relevant lender requirements with your circumstances in view.
I’m still building my deposit.
Start with your available funds, intended property and purchase costs. We can check which deposit options may be relevant to your profession and situation under current lender criteria.
I’m deciding what to do next.
A first purchase, a move and a refinance raise different questions. Tell us what you want to change, including the repayments and features you want to consider alongside your other commitments.
What we work through
Your profession is one part of the conversation. Your income evidence, available funds and household commitments help shape the assessment.
Explore repayment scenariosAny profession-specific lending option must be checked against current lender policy and your circumstances. Registered nurse status alone does not establish eligibility or approval.
The next steps
Start with your purchase or refinance goal. Explore indicative options, then work with the team on the details and advice that follow.
Choose your goal and share your financial position to explore matched loan options. These are indicative options based on what you tell us, not a recommendation or approval.
Talk with the Wity team about your plans, work arrangements and next steps. This is a discovery conversation; credit advice comes later with your adviser.
Your adviser explains your WityLoanPlan and recommendation at a Strategy Meeting. Review the options, costs and trade-offs before deciding whether to proceed.
After you accept your loan proposal, we prepare the application and supporting documents for the lender. We work through its requirements towards your purchase settlement or refinance switch.
The lender decides whether to approve the loan. Accepting your loan proposal authorises preparation; it does not submit an application or guarantee approval or settlement.
A little more clarity
A few useful answers. For the details that are specific to you, talk with our team.
Book a callKeep exploring
Choose your purchase or refinance goal and explore loan options with your situation in mind.
This information is general in nature and does not constitute personal financial advice. Loan options and borrowing estimates are indicative, based on the information you provide. Credit eligibility criteria, terms, conditions and fees apply. Profession-specific options are subject to current lender policy, eligibility and full assessment.