Get in touch with Paramedic Loans, the Home Loan and Investment Loan Experts for Paramedics & Ambulance Officers
Rated 5 from 51 Reviews
Paramedic Loans is Australia's dedicated mortgage brokerage for Ambulance Officers and Paramedics. We established our business after witnessing countless stories of healthcare professionals being overlooked by major banks and dismissed by large mortgage brokerages.
Our mission is connecting clients with the perfect financing solution, whether you're seeking a home loan, investment property loan, vehicle finance, or construction loan. Through our exclusive technology platform, we deliver seamless online service to most clients while maintaining personal support whenever you need it.
As licensed mortgage brokers, we partner with major banks, boutique lenders, and non-bank institutions to secure optimal lending solutions. Our network spans over 2,000 loan products from lenders nationwide, ensuring we can identify the ideal match for your unique financial circumstances. We also provide upfront qualification assessments, protecting your credit score and eliminating lengthy approval waits.
Recent client testimonials highlight our "exceptional professionalism," "outstanding service delivery," and commitment to "handling all the heavy lifting." We maintain proud membership with the Mortgage and Finance Association of Australia.
Whether you're purchasing your first home, refinancing, building a custom property, or financing a new vehicle, Paramedic Loans delivers expert guidance tailored to your profession's unique needs. Connect with one of our Licensed Mortgage Brokers today to discover how we can support your financial goals.
Getting Started with Your Mortgage Broker
Your home loan journey begins when you meet with your mortgage broker for an in-depth discussion. Whether you're buying your first home, an investment property, or commercial real estate, your broker will explore your goals, walk you through the application steps, and assess your financial situation. This conversation helps identify loan options that match your needs. Your broker will also showcase different loan products from banks and lenders across Australia, giving you access to competitive interest rates and favorable terms.
Complete Financial Assessment
Your broker will take a close look at your entire financial picture, including your income sources, spending patterns, assets, debts, credit report, and any existing property equity. This detailed review determines how much you can borrow and sets your maximum loan limit. Your broker will break down key concepts like loan-to-value ratios, interest rate reductions, and lenders mortgage insurance costs based on your specific situation.
Comparing Your Loan Options
After reviewing your finances, your broker will research loan products from different lenders, weighing factors like interest rates, ongoing costs, repayment options, and special features. They'll also explain how fixed versus variable interest rates work and how each choice could affect your future payments. The goal is finding a loan that fits your needs, whether you're buying to live in the property, invest, or expand your portfolio.
Getting Pre-Approved
Loan pre-approval marks an important step forward in buying property. This process gives you a preliminary commitment from a lender about how much you can borrow. Pre-approval helps you set a realistic budget and shop for properties with confidence. It also strengthens your position when making offers, showing sellers you're a serious buyer with verified financing capacity.
Submitting Your Application
After choosing your loan, your broker handles the formal application. They'll manage all paperwork requirements, collect supporting documents like income statements, and submit everything to your chosen lender. Throughout the review process, your broker stays in touch with the lender, keeping you updated and addressing any questions that come up.
Getting Approved and Finalising Documents
When your loan gets approved, your broker walks you through the completion steps. This usually means reviewing your loan agreement, making sure you understand all conditions, and organising required insurance like mortgage protection coverage. Your broker will also help set up your repayment schedule and share tips for managing your loan effectively.
Settlement and Taking Ownership
With all paperwork complete, settlement takes place. This is when the loan money is released and you officially become the property owner. For property purchases, consider hiring a solicitor or conveyancer to ensure everything goes smoothly. After settlement, your lender will typically give you online account access, and you'll begin making regular loan payments to stay on top of your financial commitments.
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Sam Wicks
My wife and I had a very positive experience with Carl, who was helping us organise our first home loan. Carl was responsive and managed to secure us a very competitive rate in a limited timeframe. We are truly thankful for his assistance, and would definitely recommend!
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Harry
Working with Nick to purchase our first home was a seamless experience. His knowledge of the market was exceptional and was quick to respond to all our questions. I wouldn’t hesitate to recommend his services. Thanks Nick!
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claudia alvarez
I was extremely pleased by the service provided from Carl Elsass. He was very helpful and very clear by explaining every aspect of the mortgage process. From start to finish, He attended to all the documents required as well as arranging a suitable loan within a very short period with my minimum involvement. Thank you! Claudia Marcela
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Glen Ashley
Carl has been amazing to work with. He was on the ball straight from the start with knowing all the information I would need to provide. He was quick to respond while others would not return communication for weeks. He managed to secure me a great product in a short amount of time, even while we are on opposite sides of the country. I highly recommend getting in touch with Carl, you won't look back.
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Samuel Hogarth
Carl was extremely professional and attentive with our situation. He kept us well informed (and calm) throughout the process. Thanks so much for getting us the best option in a tough market!
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Samantha Bartlett
Working with Nick was so fabulous! He’s very experienced and a pleasure to work with and was always happy to go above and beyond to help. I recommend his services highly!
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Ellie
Nick has been amazing! He successfully got me my home loan. He is professional and friendly to deal with. See you for the next property!
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Sally Jooste
Thank you Nick and Carl for all your support and advice. You helped us understand the daunting mortgage market and answered all our questions with honesty and transparency. ...
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Javier Gómez
Carl was really helpful and patient, took its time to understand my situations and provided great advice and options in order for me to make the right decision.
Absolutely. We specialise in helping paramedics build long-term wealth through property investment while maintaining their demanding full-time careers. Our team understands the unique financial goals of emergency service workers and can structure investment loans that align with your shift patterns, income variability, and future financial objectives. We'll help you navigate tax implications, rental yield considerations, and loan structuring to maximise your investment potential.
In most cases, yes. We understand that overtime, penalty rates, and shift allowances form a substantial part of many paramedics' income. If you can demonstrate consistent overtime patterns over 6-12 months, we can include this additional income in your borrowing calculations. We'll work with your payroll records to show lenders the reliability of your enhanced earnings, potentially increasing your loan capacity by thousands of dollars.
Definitely. The lending landscape has evolved to better accommodate casual and contract workers in essential services. With consistent work history and regular income patterns, we can present your employment as stable and ongoing. We'll highlight your specialised skills, industry demand, and typical contract renewal patterns to demonstrate your income reliability to lenders.
Yes, several lenders recognise paramedics as essential service workers and offer preferential treatment including discounted interest rates, reduced fees, or waived conditions. We maintain relationships with lenders who value healthcare professionals and will identify all available benefits, potentially saving you thousands over the life of your loan. We'll also negotiate additional concessions based on your professional standing.
Absolutely. Government employment in emergency services is viewed extremely favorably by lenders due to job security, structured pay scales, and career progression opportunities. State ambulance employment demonstrates stable income, excellent job prospects, and lower default risk. This can result in better interest rates, higher borrowing capacity, and more flexible lending conditions.
Definitely. Lenders often view government-employed health professionals like paramedics as low-risk borrowers. This can work in your favour when applying for a home loan or refinancing.
As an essential service worker, you have access to several low deposit pathways. These include professional packages that may waive Lenders Mortgage Insurance (LMI), government guarantor schemes, and specialised healthcare worker programs. Some options allow you to purchase with as little as 5% deposit while avoiding LMI costs that could otherwise add tens of thousands to your loan.
Yes, many lenders recognise the career stability and income potential of newly qualified paramedics. We can leverage your completed training, professional registration, and full-time employment offer to demonstrate future earning capacity. Even with limited employment history, your essential service role and structured career path work strongly in your favour during the application process.
We specialise in paramedic finances and thoroughly understand rotating rosters, shift penalties, overtime calculations, on-call allowances, and career progression pay scales. We know how to present your variable income streams as reliable and ongoing, ensuring lenders see the full picture of your earning capacity rather than just base salary figures.
Beyond standard documentation (recent payslips, tax returns, ID), we'll help you compile evidence of your complete income picture. This includes detailed payroll summaries showing overtime patterns, allowance breakdowns, roster confirmations, professional registration certificates, and employment contracts. We'll ensure your documentation clearly demonstrates your true earning capacity and employment stability.
Trustee for the O'Sullivan Family Trust ABN: 29 235 649 437, Credit Representative #482294 and is authorised under Australian Credit Licence 389328..
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.
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