FOR PERTH NURSES & MIDWIVES
You Care For Everyone. Shouldn't Your Lender Count Everything You Earn?
If you work shifts, your income is probably worth more than a bank's calculator says. Different lenders calculate shift income differently. Find out what you could borrow for a home loan.
FREE, in writing, within one business day.
I'm Deepak.
Every week, a call like this…
A nurse rings me, years at the hospital, picks up every penalty shift going, and her bank has just told her she can borrow less than she knows she can afford. She’s not reckless. She’s not dreaming. She’s done the sums on the back of a roster.
Her income was never the problem. The calculator was.
I’m Deepak and I am your Loan Broker who reads payslips for a living. Nurse payslips especially, penalties, packaging, agency contracts, HECS. If a lender can count it, I’ll find it. And I’ll tell you straight what it means for you.
Your details stay with me. No spam and No sharing.
Three steps. One business day.
Step two: I read your payslip. All of it – penalties, packaging, HECS, the lot.
Step three: your indicative borrowing range lands in your inbox, in writing, within one business day. Yours to keep, whether we ever speak or not.
Like what you see? We talk about making it real. Don’t? You’ve lost two minutes.
WHAT HAPPENS NEXT
1. THE STRATEGY CALL
Once your range arrives, we have a short conversation about your goals, the loan you need, and your timeline. FREE, and it never has to go further than that.
2. THE APPLICATION
If you want to move ahead, with the right structure in place, I prepare and submit your application to the lender who counts your income properly.
3. THE APPROVAL
I manage the lender conversation through the approval process and keep you updated on timelines and conditions, right through to settlement.
BUILT FOR THE WAYS NURSES ACTUALLY WORK
Agency and casual nurses stitching together a patchwork of shifts.
New grads who keep being told to wait.
Midwives whose penalties nobody reads properly.
Salary-packaged staff whose packages confuse every calculator.
Established nurses refinancing who suspect their bank’s number undersells them.
If your income has moving parts, you’re in the right place.
HOW YOUR PAY GETS READ
I know you’ve done the maths on your phone at 2am, still in scrubs, after a shift the calculator never heard of. Then the bank’s number comes back, and it’s nothing like yours.
Here’s why that happens:
Your penalties get shaded. Night shifts, weekends, public holidays. Some lenders count them at 100%. Others shade them down before your borrowing capacity is even calculated. Same payslip, two very different answers.
Casual and agency work gets read as risk. Some lenders want 6 to 24 months of history before that income fully counts. Others look at your AHPRA registration and your track record, and see what the first calculator missed: a nurse who works, works.
Salary packaging can quietly cost you. WA Health packaging is smart money. But assessed on the reduced taxable income without the gross-up, you look smaller on paper than you are.
HECS takes its share every pay. It’s a repayment, and repayments reduce what the calculator says you can afford.
None of this is anyone being cruel. It’s calculators built for Monday-to-Friday incomes, meeting a payslip that was never Monday-to-Friday. I read payslips like yours for a living.
The way I work
What I do:
– Listen first. One call, around your roster – nights, evenings, whatever fits.
– Read your whole payslip. Penalties, packaging, casual loadings – all of it.
– Come back with real numbers in plain English: what you can borrow, what it costs per month.
– Handle the lender and the paperwork. I ask for documents one at a time, when they’re actually needed.
– Stay with you until the loan settles. Not until the application goes in.
What I don’t do:
– Charge you anything. Ever.
– Pressure you, or rush a decision.
– Hand you off to someone else.
– Hide how I get paid. The lender pays me, and I’ll tell you how that works.
Fair Warning: I’m not for everyone. If you just want a rate quote, there are websites for that, no hard feelings. If you want someone to nod at a number you’ve already picked, I’m not your guy. I read every payslip myself, and I’d rather give you an uncomfortable truth than a comfortable lie.
Fair questions. Straight Answers
Do lenders actually count penalty rates and overtime?
Many do - but policies differ sharply. Some assess consistent overtime and shift penalties fully with the right evidence, others discount or ignore them. That difference alone can move what you can borrow by a lot. That's exactly what I check for you.
I'm casual or agency. Can I still get a home loan?
Generally yes. Lenders usually want a history of casual or agency income - roughly six months to two years depending on the lender and how steady your pattern is. Some are far more accommodating than others.
I'm a new grad. Is it too early?
Not necessarily. A stable grad program is employment, and some lenders will work with you early in it. The question is which ones - which is what the free assessment answers.
Will finding out my number hurt my credit score?
No. Your indicative range is worked out from income details alone - no credit check. A check only happens later, if you choose to proceed to formal pre-approval, and you'll know before it does.
How does salary packaging affect things?
It can change your assessable income in ways that surprise people. Treatment varies by lender and package type, so I look at your specific packaging, not a rule of thumb.
What do you charge?
Nothing. Not a cent, at any stage. I'm paid by the lender after your loan settles - so my incentive is simple: get you the right outcome, or there's no outcome at all.
Why not just go to my bank?
Your bank knows its own policies - that's all it can offer. I compare how a panel of different lenders treat shift income, and the differences are bigger than most nurses expect.
How long does it all take?
Your written range: one business day. Formal pre-approval: typically days once documents are in. Every application moves at its own pace - I'll give you a realistic timeline for yours, not a generic one.
What happens to my details?
Used to prepare your assessment and nothing else. Never sold, never shared for marketing. Full policy in the privacy policy linked in the footer.
Do you only work with nurses?
No - I work with borrowers across Perth. Nurses and midwives are a focus because shift income is one of the most underserved areas in lending.
DEEPAK CHAWLA
I work with Perth nurses and midwives who know exactly what they earn, and keep getting numbers from calculators that don’t match.
I’m in your corner to help you find out what you could actually borrow, without the guesswork and the runaround.
Here’s the thing most people never get told: every lender assesses income against its own policy, and those policies treat shift workers very differently. Some count penalties properly. Some leave them out entirely. Same nurse, same payslips, a very different answer.
My approach: I read your income first, penalties, overtime, allowances, agency patterns, then match you with the lender whose policy counts all of it.
The focus is simple: your real borrowing range in writing, an honest answer even when it’s no, and a clear path forward either way.
I’m a Perth local, a family man, and a broker who believes the conversation should cost you nothing, and tell you the truth.
Check your range. It takes a minute.
P.S. Skipped straight to the bottom?
I do it too. Short version: six questions, I read your payslip, your borrowing range in writing within one business day.
Free. No credit check. No obligation.
PRIVACY POLICY
Innovative Finance Group Pty Ltd
WHAT WE COLLECT
When you use our website form, we collect your name, email address, phone number, and your quiz answers (workplace, roster, income band, credit history). We collect only what you give us.
WHY WE COLLECT IT
To prepare your borrowing assessment, contact you about it, and provide mortgage broking services. We don’t use your details for any other purpose unless required by law.
NO SELLING, NO SHARING
We never sell, rent, or share your personal information with third parties for marketing. If you choose to proceed with a loan application, we share only the information necessary for that application with the relevant lender – and you’ll know before we do.
STORAGE AND SECURITY
Your details are stored securely with access limited to me. I keep them only as long as needed for the purposes above and to meet our legal obligations.
YOUR RIGHTS
You can ask to see, correct, or delete your personal information at any time – just email us and we’ll act on it.
OUR PROCESS
Before any loan application, we provide our Credit Guide and privacy consent for your review and signature. Nothing starts without it.
CONTACT
Innovative Finance Group Pty Ltd – deepak@innovativefinancegroup.com.au
Innovative Finance Group is a registered business name of Landmark Finance Group Pty Ltd (ABN 16 679 125 378, ACN 679 125 378). Landmark Finance Group Pty Ltd (Credit Representative No. 561691) and Deepak Chawla (Credit Representative No. 515199) are authorised Credit Representatives of Australian Finance Group Pty Ltd (Australian Credit Licence 389087).