Support workers are the backbone of Australia's care sector. yet irregular hours, casual contracts, and varying pay structures can make the loan application process feel overwhelming. SaaN Home Loans understands how support workers earn and works with lenders who assess your income fairly.
The savings are significant. The process is simple.
100% Assessment of Overtime & Allowances
Many support roles rely heavily on shift loadings and overtime. While standard loans may only count 80% of this income, "Essential Worker" packages from lenders assess 100% of overtime and shift allowances.
Discounted Interest Rates
Access to "Essential Service" tiers that offer rates lower than those available to the general public.
LMI Waivers up to 90% LVR:
Eligible disability support and personal care workers can often borrow up to 90% of a property's value without paying Lenders Mortgage Insurance (LMI). This can save between $5,000 and $30,000 in upfront costs.
Lower Deposit Entry:
You may qualify for a home loan with as little as a 5% deposit through specialized healthcare programs.
Why Choose Us?
Our approach is built on clear communication and personalized support. We believe every first home buyer deserves expert guidance without the confusion, and we're here to make that happen for you.
casual does not automatically mean ineligible.
by including allowances, overtime, and supplementary earnings where lenders allow.
we are compensated by the lender at settlement.
FAQs
- Can I apply if I work for multiple employers?
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Yes. Some lenders accept income from multiple casual employers. We assess your full situation and find the right fit.
- What deposit do I need?
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Standard policy generally requires a minimum 5% genuine savings deposit, subject to your individual circumstances.
- Do allowances count toward my income?
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With certain lenders, yes. Disability support allowances and travel allowances may be included. We identify which lender is most favourable for your pay structure.
- What if I am fairly new to the role?
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Minimum employment history requirements vary by lender. We find the most flexible option for your situation.
Step 1: The Strategy Session (Kick-Off)
- What happens: A 30-minute deep dive into your goals.
- Key focus: We identify your "Professional Tier" to unlock exclusive benefits
like LMI Waivers or Discounted Interest Rates.
- Your Action: Secure your session via our Online Booking Portal.
Step 2: The Digital Vault (Document Collection)
To move fast, we need a clean "Credit File." Use our secure portal to upload your essentials:
Step 3: The Blueprint (Pre-Approval)
- What happens: We compare over 5 lenders (Major Banks & Specialists) to find
the sharpest professional package.
- The Result: Pre-Approval (valid for 90 days), giving you the green light to bid with confidence.
Step 4: The Green Light (Formal Approval)
- What happens: Once you’ve found a property, we order the valuation and submit for "Unconditional Approval".
- Tech-Driven: Sign your loan offer digitally via secure e-signature platforms.
Step 5: The Handover (Settlement)
- What happens: We coordinate with your solicitor and the bank to manage the transfer of funds via PEXA.
- The Result: Settlement is complete—you get your keys!
Step 6: The Watchdog (Post-Settlement)
Our Promise: Your loan isn’t "set and forget." We provide ongoing services such as Annual Rate Reviews. We keep an eye on property growth to ensure another investment. Regular updates on current property market.
