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 |
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