Firefighters
- Essential Worker Finance
Home loans for firefighters and emergency services workers
You run into the situations everyone else runs from. Getting your home loan sorted should not be another battle.
Firefighters and emergency services workers often have income that is far higher than their base salary suggests. Overtime, penalties and allowances make up a significant portion of what you earn but many lenders do not know how to assess it.
We work with lenders who understand emergency services pay structures and will count your income correctly. For eligible firefighters, LMI waivers at 90% LVR are available through specialist lenders.
- What You Can Access
What firefighters can qualify for
- LMI waivers at 90% LVR with eligible lenders, saving up to $44,000
- Borrowing with as little as a 10% deposit
- First home buyer options: Government 5% scheme vs LMI waiver comparison
- Shift penalties and overtime assessed at full value with the right lenders
- Specialist lenders who understand emergency services rosters
- Flexible loan structures built around irregular pay cycles
- What You Will Need
Documents you will typically need
- Two to three recent payslips showing base pay, overtime and allowances
- Last two years tax returns and PAYG summaries
- Employment letter confirming your role and consistent shift patterns
- How It Works
Our process
- Step One
Free
We understand your pay setup and what you want to achieve.
01
- Step Two
We find lenders
We find the right lenders and prepare a strong application.
02
- Step Three
Settlement
We manage everything through to settlement.
