Paramedic home loans
Home loans for paramedics and ambulance officers
You are first on scene when it matters. Some lenders reward that: they lend paramedics more, skip lenders mortgage insurance or pay cash back. We search a panel of 75 lenders and tell you who's offering what right now.
How much can a paramedic borrow?
It depends on your pay, your debts and your living costs. Your roster can lift it.
Most lenders count only part of your overtime. Some count all of it, and your allowances, if you are a paramedic or ambulance officer. That can lift how much you can borrow. Send us your last two payslips and we will tell you how much you could borrow.
Can paramedics skip LMI?
You may be able to. Some lenders cover or waive lenders mortgage insurance for paramedics.
LMI is a one-off cost most lenders charge when you borrow more than 80% of the property's value. Some lenders will cover it or waive it for paramedics. Conditions apply, so ask us who's offering it right now.
Buying your first home? The Australian Government 5% Deposit Scheme can also mean no LMI with a 5% deposit, whatever your job (price caps apply).
Cash back for paramedics
Some lenders pay emergency workers cash back when you buy or refinance. That can cover your loan costs, and even part of your first repayment. Conditions apply, and offers come and go, so ask us which ones are running right now.
From lenders' own product sheets, policy documents and broker offers we hold, checked 14-10-2026. Offers change and end without notice, and conditions apply. General information only, not credit advice, and it does not consider your objectives, financial situation or needs.
How we help
Send us your last two payslips. We tell you how much you could borrow and which deals you qualify for.
Then we do the paperwork and deal with the lender, from pre-approval to settlement, around your roster. Our home loan service costs you nothing: the lender pays us when your loan settles. We are a veteran-owned brokerage: we know service life, and we know how lenders read shift pay.
Partner a nurse or firefighter? See home loans for nurses and firefighters, or every job on our first responder page.
Common questions
Questions from paramedics
Do lenders count my overtime and allowances?
Yes. Most lenders count part of your overtime, and some count all of it, and your allowances, for paramedics and ambulance officers. Most want to see it is regular, on your year-to-date payslip or a recent payslip plus last year's income statement.
Can I avoid LMI as a paramedic?
You may be able to. Some lenders will cover or waive LMI for paramedics. Conditions apply, so ask us who's offering it right now. First home buyers can also look at the 5% Deposit Scheme.
Do graduate paramedics qualify?
Lenders differ on new jobs and on who counts for their paramedic deals, so tell us where you are up to and we will look for a lender that fits.
Do you help paramedics outside Queensland?
Yes. We are based in Queensland and lend Australia-wide, by phone or video call.
Send the payslips, we do the rest
Let's see how much you could borrow
Send us your last two payslips and we will tell you how much you could borrow, and whether you could skip LMI or get cash back. The first chat is free. Queensland-based, lending Australia-wide.