A specialist and a nurse — both hospital professionals we’d helped buy their own home years earlier — were ready to start building long-term wealth through property. Strong incomes, stable jobs, clear plan. And yet several lenders came back short.
The sticking point was how the banks read their pay. A significant part of it came through salary packaging and tax-free benefits, and many lenders discounted or excluded that entirely from servicing — leaving a borrowing capacity well below what their genuine position supported.
The affordability was there. The wrong lender simply couldn’t see it.
A policy built for healthcare
We matched the couple to a lender with a policy framework built for healthcare professionals — one that recognises salary packaging and tax-free income properly. Rather than accept a standard, discounted assessment, we presented an application that reflected what they genuinely earn and can afford.
Capacity increased enough to position the couple for a first investment property of around $1 million — a clear pathway to move when the right opportunity comes.