What we'll do for you.
From understanding your goals to settlement and beyond, here is how we’ll work together.
Home Loans for Essential Service Workers Across Regional Australia
Speak to your specialist broker, Loan Market Michael Nalesnyik
Get lending support for health, education, emergency services, and community support professionals.
At Loan Market Michael Nalesnyik, we specialise in helping essential workers — nurses, teachers, social workers, paramedics, and firefighters — access smarter, tailored home loan solutions.
Whether you’re buying your first home with just a 5%–10% deposit, refinancing to consolidate debt or unlock equity, or looking to build wealth through investment or SMSF lending, we understand the unique financial circumstances of essential workers across regional Australia — including shift work, overtime, and variable income.
You deserve a lender that recognises your value — and a broker who makes the process simple, supportive, and rewarding.
Let's get started
We’ll handle the loan process, so you can stay focused on the important work you do.
We Can Help You Access:
- LMI waivers for eligible professionals in essential services
- Discounted interest rates and reduced lender fees
- Flexible loan structures for shift work or casual/contract income
- One-on-one expert support from start to finish
Who We Help:
- Healthcare: Nurses, doctors, paramedics, allied health
- Education: Teachers, school support staff, early childhood educators
- Aged & Disability Care: Carers, support workers, NDIS staff
- Emergency Services: Police officers, firefighters, SES volunteers
- Community Support: Social workers, childcare staff, council workers
Property Finance Made Simple for Essential Workers Across Regional Australia
At Loan Market Bendigo, we specialise in helping essential service professionals — including nurses, teachers, social workers, paramedics, and firefighters — access smarter home loan solutions tailored to their profession.
Whether you’re purchasing your first home with a 5%–10% deposit, refinancing to lower your rate or consolidate debt, or using equity to invest or renovate, we understand the unique needs of essential workers — especially those balancing shift work, overtime, and variable income.
Based in Bendigo and the Macedon Ranges, we proudly support clients across Woodend, Kyneton, Castlemaine, Daylesford, Maryborough, Gisborne, and surrounding towns — as well as regional communities Australia-wide.
With access to over 60 lenders, we can help you unlock:
- ✅ No LMI at 90–95% LVR for eligible essential workers
- ✅ Exclusive interest rates and fee waivers
- ✅ Flexible loan structures tailored to your income and career
- ✅ One-on-one expert guidance from start to finish
We make the process easy, so you can stay focused on the important work you do — while we take care of your finance journey.
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Understand your goals
We’ll take the time to understand your unique situation and goals.
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Provide you with some options
We’ll do thorough research, provide you with a few loan options and help guide you through your decision.
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Get it sorted for you
Once you’ve selected your preferred loan we’ll do the legwork to get it lodged, approved and settled.
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Help you save
We’ll stay in touch to make sure that you still have the right loan as your situation changes (and try to save you money along the way!).
What makes us different?
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Your own personal, non-bank affiliated loan expert |
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Free for you1 |
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We work in your best interests (we’re not owned by a bank) |
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Fast turnaround times2 |
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Access to over 60+ banks and lenders in one place3 |
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Ongoing support and guidance once your loan has settled4 |
Ask us a question
Your local expert will contact you shortly
Award winning & highly recommended.
Why Loan Market?
Putting you first
We don’t work for shareholders or a bank – we work for your best interest.
Experience that counts
We’ve been helping Aussies and Kiwis achieve their ambitions since 1994.
More choice
With 90+ banks and lenders on our panel, we can find competitive solutions for most scenarios.
For your home and other loans
From buying a car to growing your business, we can help you with a wide range of loans.
Free for you*1
We get paid by the lender you choose.
Our promises to you.
Work in your best interests
- Research the market to find the right loan for you
- Negotiate a competitive deal on your behalf
- Help you get covered
Save you time and hassle
- Do the legwork for your application
- Meet on your terms, ‘on or off’ line
Your partner, always
- Here for your today, tomorrow and future goals
- On hand when you need it - we don’t close at 4pm!
Frequently Asked Questions.
What does a mortgage broker do?
A mortgage broker (like me) acts as the middleman between you and the lenders/banks. We work for you but get paid by the lender or bank of your choosing. That means they help you choose the right loan to suit your needs at no cost to you.
Can you help me understand my borrowing capacity?
Of course! Borrowing capacity refers to how much you can borrow from a lender. To get an estimate of your borrowing capacity go to our calculator: How much can I borrow? If you want to get an in depth review of your borrowing capacity, get in touch today.
What grants are available to me?
There are many grants that are available for those wanting a home loan and the options differ from state to state. To find out what grants you are eligible for, get in touch.
