Blue Guide Finance helps first home buyers, investors, and all kinds of borrowers find loans that fit. We also work closely with medical professionals to help them use their full borrowing power. We plan your loan so it still works well after settlement day to meet your goals.
Credit Representative 580670 of Purple Circle Financial Services, ACL 486112. Blue Guide Finance Pty Ltd, ABN 91 699 308 480.
“I spent years reading obs charts under pressure. Now I read loan serviceability the same way — carefully, and explain it without the jargon.”
Nathan is a full-time mortgage broker who still picks up casual nursing shifts. That background shapes how Blue Guide Finance works. Nurses and other shift workers often get paid in tricky ways — shift loadings (extra pay for working nights or weekends), overtime, salary packaging (a way to pay some costs before tax), and casual or agency shifts. Many lenders don’t read this kind of pay well. Nathan does, because he understands it firsthand. That same careful attention carries over to every client, not just people in healthcare.
Blue Guide Finance is based in Melbourne and works across Australia. We deal with a wide panel of lenders (the group of banks and lenders we can choose from on your behalf) — including some with special rules for nurses, doctors and allied-health workers. We pick the loan that helps you reach your goal, not just the one that’s easiest to get approved today.
We understand shift work and unusual pay, firsthand.
We compare loans from many lenders, not just one bank.
Local roots, service across the country.
Nathan holds a Certificate IV and Diploma in Finance and Mortgage Broking, and is a member of the MFAA. He works as a full-time mortgage broker and still picks up casual nursing shifts. That same care and attention to detail carries across, from patient care to your loan.
We keep helping after your loan is approved. Free 6-month rate check with your current lender — no refinance, just making sure your rate stays sharp. At 12 months post-settlement, we complete a complimentary loan health check to ensure your structure and rate are still competitive. If the market has shifted or your goals have changed, we’ll assess whether a refinance could improve your position and guide you through the options.
No matter what stage you’re at — buying your first home, refinancing, growing a property portfolio, or earning pay that doesn’t fit a normal payslip — we have a lending plan that fits.
Learn what deposit you need, which government schemes you may qualify for, and what lenders look for — before you start inspecting homes.
Start here →We check if your current rate is still good, and how much switching lenders could save you.
Review my loan →We help you grow a property portfolio, using tools like interest-only loans and offset accounts.
Plan my portfolio →Get money released in stages as your build or renovation moves forward, matched to your builder’s contract.
Ask about builds →Special loan rules for nurses, doctors and other health workers — higher borrowing limits, LMI waivers, and shift pay counted properly.
Check my eligibility →Short-term loans for buying and renovating a property fast — built around your project timeline, not a standard 30-year home loan.
See flipping loans →The same route, every time — so you always know what happens next and why.
A free, no-pressure chat about your goals, income and timeline.
We pick a short list of lenders and explain the pros and cons in plain words.
We handle the paperwork and talk to the lender until your loan is approved.
We follow your loan through to settlement day, then check in after you’ve moved in.
A quick estimate to help you plan. Your real rate will depend on the lender and your own situation.
This calculator gives an estimate only. It is not financial advice and not a loan offer. Your real repayments depend on the lender, the loan product, fees, and your own situation. Talk to Blue Guide Finance for advice made for you.
Short, plain-language reads on what’s moving in Australian home lending.
A simple guide to how cash rate changes affect your variable home loan.
First home buyersWho can use it, how small a deposit you need, and how the scheme really works.
Loan strategyThe pros and cons beyond the rate you see advertised, and questions to ask your broker.
Send a few details and we’ll be in touch within one business day.
Melbourne, Victoria — servicing clients across Australia.
Mon–Sat, 8:00am–6pm. Out of hours by appointment.