Money
Work out your deposit, your equity and the file a lender asks for.
From a HELP balance to buying into a practice, read against your own pay and documents. We also show what sending money home costs.
- Every stage, student to practice owner
- Read against your own documents
- A broker or adviser only if you ask
HomesYour first home, your loan, your next property and a home back home.HELPYour repayments, indexation, borrowing with HELP and leaving Australia.WealthContribution caps, the $3 million tax, advisers, self-managed funds and trusts.Sending money homeThe fee and the rate together, and who is registered.
What it is
Buying a home, paying off HELP, building wealth and sending money overseas. We read the figures against your own documents and introduce a licensed broker or adviser only if you ask.
Straight answers
What we do, and what we don’t.
We do
- Show the deposit, the equity and every route that skips mortgage insurance, at any stage
- Track when your fixed rate ends, and prepare a rate review letter to your own lender
- Track your mortgage deal back home and the day you become a permanent resident
- Build the file a lender asks for, from a first home to an investment property
- Hold and read your loan, trust and company documents
- Introduce a licensed broker or adviser if you ask, and tell you first if we are paid for it
- Show what sending money home costs, fee and rate together
We don’t
- Compare your rate with other lenders’ rates. A licensed broker does that
- Tell you what to borrow, which loan to take or how to invest
- Give financial or structuring advice. A licensed adviser and your accountant do that
- Rank lenders, advisers or transfer services by what they pay us
- Hold or move your money
- Say whether to repay HELP early
- Say how much to put into super
Built for healthcare work
Money products that treat healthcare work differently.
What is on offer because of the work you do, and the catch in each. Facts as published in September 2026; your own figures come from your documents.
| What | Who it suits | The catch |
|---|---|---|
| Mortgage insurance waivers | Doctors and dentists to 95% of the price; nurses, midwives and many allied health professions to 90% at some lenders | Citizenship or permanent residence, an Australian credit history and, below doctors, a $90,000 minimum income |
| 5% Deposit Scheme | First home buyers with a 5% deposit, or single parents with 2% | Citizens and permanent residents only; price caps apply |
| Salary packaging a mortgage or rent | Public hospital and not-for-profit staff | It uses your packaging cap; see Salary packaging |
| Income protection through super | Members whose fund includes it by default | Often small next to your salary; see Insurance |
| Specialist healthcare banking | Doctors, dentists and practice owners | Goodwill and equipment finance and waivers, each inside a major bank |
| HELP relief for rural work | GPs and nurse practitioners in MM 3 to 7 | Time already served still waits on one rule; see Tax |
| Sending money home | Anyone supporting family overseas | Banks cost the most; digital services far less |
General information, not a recommendation. Vaile does not choose a lender or product for you. If you ask for a broker, we introduce a licensed one and tell you first if we are paid for the introduction.