Buy your first home sooner
As an essential worker, you can often borrow more and buy sooner than you think
- ✓ Low deposit
- ✓ 100% overtime counted
- ✓ Up to 95%, no LMI
- ✓ Grants & schemes
See what you can really borrow
Answer 3 quick questions, then book your free 15-minute chat with Michael.
First up, what best describes you?
🔒 No obligation. You deal directly with Michael, no call centres. Your details are only used to arrange your call.
170+ Five-Star Reviews on Google
Rated 5.0 by the essential workers we’ve helped into homes across regional Australia.
“Great communication and Michael has always been there to answer questions I’ve had along the way! Been an easy process the whole way 👍”
“Michael and his team were excellent to deal with. Very knowledgable and had a high level of communication throughout the process. Highly recommend.”
“Wonderful experience, very flexible with items, diligent and great communication.”
Another essential worker in the door 🏡
Nothing beats handing over the keys. This is one of the local essential workers I helped into their first home, the whole reason Valour Financial exists. If you’re wondering whether you can do the same, that’s exactly the conversation to have.
See what you could borrow →Ways I can help you buy
Buying your first home isn’t only about the deposit. Here’s what the right lender can help you do, especially as an essential worker:
- ✓ Count 100% of your overtime, penalties and allowances
- ✓ Unlock a bigger borrowing capacity than the bank first offered
- ✓ Buy with a low deposit, sometimes as little as 5%
- ✓ Borrow up to 95% of the property’s value without LMI, if eligible
- ✓ Tap into first-home-buyer grants and schemes you qualify for
- ✓ Get a clear, realistic budget before you start house-hunting
- ✓ Sort your pre-approval so you can make offers with confidence
The questions first-home buyers ask me
No silly questions here, just honest answers.
How much can I actually borrow on a shift-work income?
Often more than the bank first tells you. Many lenders only count a portion of your overtime and penalties, so the number they give you is smaller than what you can really afford. I know which of my 60+ lenders count 100% of your income, and I’ll work out your true borrowing power.
Do I really need a 20% deposit?
Usually not. Depending on your profession and the lender, you may be able to buy with as little as 5% deposit, and sometimes without paying Lenders Mortgage Insurance. I’ll show you the low-deposit options you actually qualify for.
Can essential workers avoid paying LMI?
Eligible essential workers can often borrow up to 95% of the property’s value without paying Lenders Mortgage Insurance, which can save you thousands. It depends on your profession, the lender’s current policy and your deposit, and I know which lenders offer it.
What government schemes or grants can I use?
Depending on your state, your income and whether it’s your first home, you may be eligible for first-home-buyer grants, stamp-duty concessions or government guarantee schemes. I’ll help you understand which ones apply to you and how they fit into your plan.
Will getting pre-approval hurt my credit score?
There’s no mark on your file until we actually apply, and I won’t do that until you’ve given the go-ahead and I’m confident of approval. A chat costs you nothing and leaves no trace.
How much does it cost to use Valour Financial?
Nothing to you. I’m paid a commission by the lender when a loan settles, so it comes out of their profit and doesn’t affect your rate. You get all the benefits of a broker at no cost.
Getting you into your first home, one clear step at a time
A no-pressure first chat
We start with where you’re at: your income, your deposit, any other commitments, and the kind of home you want to buy.
I work out your real borrowing power
I compare 60+ lenders to find the ones that count your full income and offer low-deposit or LMI-waiver options for your profession.
I get you pre-approved
If it stacks up, I handle the paperwork and lender back-and-forth so you can start making offers with confidence.
Hey, I’m Michael
I’m a mortgage broker of 10+ years who narrowed my focus to essential workers, and my own family includes nurses, teachers and frontline workers. When you reach out, you talk to me: I work out what you can really borrow and map the fastest, safest path into your first home.
- ✓ Access to 60+ lenders, from big banks to specialist non-bank lenders
- ✓ I know which lenders count your full income and waive LMI by profession
- ✓ Straight-talking, no-pressure advice, in plain English, no call centres
See how we help essential workers every week
Real client wins, rate updates and money-saving tips for essential workers, straight from Michael.
Follow on Instagram →Book a call
Free, no obligation, and it could be the first real step into your own home.
Book my free 15-minute chat →Or call Michael directly on 0437 453 518