Home Loans for Police Officers

Unlocking Exclusive Benefits with Home Loans for Police Officers in Australia

Your role as a police officer places you among Australia’s most trusted professionals, and that trust extends to specialised home loan options tailored to your needs. Designed to recognise law enforcement officers’ unique financial circumstances, these options empower you to achieve homeownership or expand your property portfolio.

At Ausfirst Lending, we specialise in helping police officers like you navigate these mortgage options. Our experienced brokers understand the specific requirements of law enforcement professionals and work closely with you to find the best loan structure to suit your goals. From maximising your borrowing potential to ensuring a seamless application process, we’re here to guide you every step of the way.

Home Loans for Police Officers
What Are the Police Mortgage Benefits in Australia?
Police officers enjoy exclusive benefits when applying for home loans due to the nature of their profession. Some of the key advantages include:

Overtime and Allowances Income Consideration

Unlike other professions where overtime income might only be partially recognised, some lenders accept up to 100% of your overtime and allowances, enhancing your borrowing power.

Salary Packaging Consideration

Many lenders include salary packaging benefits, such as novated leasing and uniform allowances, as part of your assessable income, further improving your loan eligibility.
What Challenges Are Associated with Police Home Loans in Australia?

While law enforcement home financing provides significant benefits, there are some challenges and risks you must consider to better navigate the home loan process and make informed financial decisions:

Reliance on Overtime Income

A significant portion of a police officer’s income often comes from overtime. Any reduction in shifts or workload could impact your ability to meet loan repayments. Additionally, note that some lenders only recognise up to 80% of your overtime income, which may limit your borrowing capacity.

What Are the Eligibility Requirements for Police Home Loans in Australia?

To qualify for home loans for law enforcement personnel, you typically need to meet the following criteria:

You must have stable employment within a law enforcement role. Whether you’re a police officer, detective, forensic specialist, or part of a specialised unit, lenders value the steady and reliable income associated with these roles.

Maintaining a strong credit record with no major defaults is essential, as lenders assess your credit report to determine your financial responsibility and ability to manage repayments effectively.

A savings history can help you purchase a home. If your savings are low, there are alternative options, such as security guarantors or government grants, that may assist in the process.

The property you’re planning to buy must fall within approved categories, which may vary per lender.

Lenders require detailed documentation to verify your income and financial stability. Usually, you’ll need to provide:

  • An employment letter confirming your role and detailing salary packaging or overtime arrangements.
  • Recent payslips showing consistent income, including overtime, if applicable.
  • Your most recent payment summary from MyGov or tax return to verify historical annual income (RL updated).
  • Evidence of genuine savings (e.g., a savings history or rental payment history).

How to Apply for Special Home Loans for Police?

Applying for home loans for police officers can be straightforward if you follow the right steps and prepare thoroughly. Engaging a knowledgeable mortgage broker is highly recommended, as they can help you simplify the application process, maximise your chances of approval, and secure a loan that suits your needs.

Streamlining Police Home Loans with Ausfirst Lending

Navigating the home loan process as a police officer shouldn’t be complicated. At Ausfirst Lending, we’re here to make the journey hassle-free so you can focus on your career.

Our team of expert brokers understands the financial nuances of law enforcement professionals, from shift work income to salary packaging. We’ll help you achieve your homeownership goals as seamlessly as possible.

Supporting Queensland Police Legacy

We are proud to partner with the Queensland Police Legacy Scheme in support of their invaluable work. For every completed lending transaction of over $300,000 in net lending, Ausfirst Lending will make a donation of $100 per $100,000 to the Queensland Police Legacy, helping them provide financial and emotional support to the families of deceased Queensland Police officers.

This partnership ensures that every loan you take through us also gives back to those who have given so much to their community.

When you choose Ausfirst Lending, you are not only securing the best loan solutions tailored to your needs but also supporting the well-being of the Queensland Police family.

Why Choose Ausfirst Lending Group

Dedicated Guidance and Comprehensive Service

Dedicated Guidance and Comprehensive Service

At Ausfirst Lending Group, you are our top priority. We are dedicated to providing comprehensive assistance from start to finish, not just because we are legally obligated to act in your favour, but because we genuinely want to ensure your success. We focus on your objectives and requirements, and combine deep industry knowledge with a strong commitment to finding loan options that truly align with your financial needs. We simplify the entire loan application process by assessing your borrowing capacity, organising documentation, and negotiating terms on your behalf, all while securing the most favourable outcomes for you.

Extensive Lender Options

Extensive Lender Options

One of the key benefits of working with Ausfirst Lending is our access to a diverse range of lenders. Instead of presenting just one option, we assess a broad array of options according to your financial needs. This allows us to tailor solutions that match your specific goals and circumstances, ensuring you get the best possible outcome.

Quality

We don’t just find you a loan that fits; we aim to get one that exceeds your expectations in terms of rates, options, and service.

Choice

We work with over 40 lenders, including big banks and non-bank lenders, giving you unparalleled mortgage choice—you have plenty of options to choose the most suitable home loan for you.

Support

Our team is dedicated to guiding you throughout your homeownership journey, whether it’s securing your first home or an additional investment property. We provide ongoing support, including a 6-month review process to keep your loan competitive.

Experienced Brokers

Every mortgage broker on our team has over 10 years of industry experience, ensuring expert advice every step of the way.

Personalised Approach

We tailor home loan solutions that prioritise your best interests, not the bank’s.

Simple Process

Our entire process is transparent and easy to understand, making the entire journey hassle-free.

About Us

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FREE Autovaluation

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Our Lenders

Award-Winning Brokers With 50+ Years Of Accumulated Knowledge & Lending Experience

Ausfirst Lending Group is proud to be recognised as a finalist in the 2024 Sunshine Coast Business Awards under the Professional Services category, showcasing our commitment to excellence and dedication to serving the community with integrity and expertise.

FAQs on Police Home Loans

Police home loans recognise the stability and unique financial needs of law enforcement professionals. They often include benefits, such as consideration of overtime and allowances in your assessable income.

Yes, police home loans are accessible to law enforcement professionals across all states and territories, including federal police and border force officers. These benefits extend to various roles, such as detectives, forensic officers, and mounted police.

Overtime often forms a significant part of police officers’ income. Many lenders accept 100% of your overtime income if you provide consistent evidence, such as an employment letter and payslips showing regular earnings.

Yes, as a police officer, you can actually borrow up to 95% of the property value without a guarantor. If you have a guarantor, this can further increase, allowing you to cover the purchase price and associated costs like stamp duty.

Yes, certain lenders consider salary packaging benefits, such as novated leasing or allowances, as part of your assessable income.

Police home loans generally apply to standard residential properties in metropolitan or select regional locations.

You’ll need recent payslips, a letter from your employer confirming income and overtime details, your latest tax return or payment summary from MyGov, and evidence of genuine savings. These documents help lenders assess your financial stability and borrowing capacity. This varies on each loan application. What is here is more just a starting point. Brokers can help people so they know what to provide.

What Makes Ausfirst Lending Group Different?

Securing the right loan should be a personal journey, not a transaction. That's why when you choose us, you deal directly with Richard, the founder, who brings over 30 years of hands-on experience managing diverse loan projects across Queensland.

Unlike larger brokerages where you become just another file number, Richard personally oversees every client's loan process—whether you're purchasing your first home, refinancing, expanding your investment portfolio, or acquiring commercial equipment. His extensive industry knowledge ensures you receive tailored advice, a smooth application experience, and solutions that align with your long-term financial goals.

We’re not just mortgage brokers; we’re your trusted lending partners. With a commitment to transparency, accessibility, and genuine care.

In other words, you are not passed between departments—you are looked after by someone who treats your financial success as his own.

Speak to Richard Today →

Visit Your Local Mortgage Broker on the Sunshine Coast

Whether you're buying your first home, refinancing, or exploring loan options through a trust or SMSF, we’re here to guide you every step of the way. As your trusted Mortgage Broker on the Sunshine Coast, we offer personalised advice tailored to your needs.

Office Hours

  • Monday to Friday9:00 AM - 5:00 PM

Location: Suite 3/74 Bulcock St, Caloundra QLD 4551
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📱 07 3916 7070

Explore the Different Home Loan Solutions We Provide

From first-time buyers to seasoned investors, we provide loan solutions designed to align with your property goals and financial situation. We’ll support you every step of the way.

Home Ownership Loans

For buyers and homeowners managing their own property needs.

First Home Buyer Loan Options with Ausfirst Lending Group

First Home Loans

Get started on your homeownership journey with our first home loan options, crafted to help you secure your dream home.

Start Your First Home Journey
Second Home Loans for Property Upgraders in Australia

Second Home Loans

Finance your next property with ease using our second home loan options.

Finance Your Next Property
Home Equity Loan

Home Equity Loan

Leverage the equity in your home to unlock funds for renovation, investment, or other financial needs.

Use Equity
Refinancing

Refinancing

Review and enhance your current mortgage terms with our refinancing options, designed to save you money.

Refinance and Save
Changing Home Loans

Changing Home Loans

Adapt your mortgage to suit your changing life circumstances with ease.

Adjust Your Loan Terms
Bridging Loans

Bridging Loans

Bridge the gap between buying and selling with short-term loan solutions.

Bridge Your Finance Gap

Investment Loans

Investment Loans

Investment Loans

Explore our investment loan solutions designed to help you build and grow your property portfolio.

Start Investing Now
SMSF Loans

SMSF Loans

Utilise your self-managed super fund to invest in property with our specialised SMSF loan options.

Use SMSF to Invest
Trust Loans

Trust Loans

Secure funding for your trust's investment needs with our trust loan solutions, tailored for optimal outcomes.

Finance with Trust Structure
Sophisticated Investor

Sophisticated Investor

Unlock exclusive lending opportunities tailored for sophisticated investors ready to scale.

Access Advanced Lending
Rentvesting

Rentvesting

Live where you love and invest where it counts with our rentvesting strategies.

Learn About Rentvesting
Holiday Home Loans

Holiday Home Loans

Own your dream holiday retreat with our tailored holiday home loan solutions.

Buy a Holiday Home

Property Improvement

Renovation Loans

Renovation Loans

Transform your property with renovation loans tailored for projects of any size.

Upgrade Your Home
Green Home Loans

Green Home Loans

Finance eco-friendly homes or upgrades with our green loan products.

Go Green with Financing

Commercial & Construction Loans

Commercial Loans

Commercial Loans

Secure finance for your business property needs with our commercial loan options.

Finance Your Business
Construction Loans

Construction Loans

Access funds in stages as construction progresses.

Construction Loans

Specialised Loan Solutions

LMI Waived Loans

LMI Waived Loans

Save thousands by avoiding Lenders Mortgage Insurance with our waived options and find out about our unique loan strategies.

See If You Qualify
LMI Waived Loans

Low-Deposit Home Loans

Tailored for self-employed professionals and business owners who may not have traditional income verification.

Simplified Documentation Loans
100% Offset Home Loans

100% Offset Home Loans

Take advantage of a 100% Offset Home Loan to minimise the interest you pay by linking your savings directly to your mortgage.

Reduce Interest
100% Offset Home Loans

Family Guarantee Home Loans

With a Family Guarantee Home Loan, your parents or close family members can help you enter the property market by using their home equity as security.

Leverage Family Support

Specialised Lending Solutions for Professionals Across All Fields

We provide finance options tailored for medical professionals, educators, tradespeople, legal practitioners, and business owners—structured to fit the way you work and earn.

Home Loan Benefits for Medical & Healthcare Workers

At Ausfirst Lending Group, we understand that healthcare professionals need lending solutions that consider their unique work-life balance. Whether you're a doctor, nurse, dentist, or allied health expert, we deliver personalised loan strategies with LMI waivers and flexible terms. Backed by Richard’s 30+ years of frontline broking experience, we ensure your loan journey is straightforward, transparent, and managed with care.

Home Loans for Doctors

Home Loans for Doctors

Designed to accommodate complex income structures like private practice, hospital rosters, and ABNs.

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Home Loans for Nurses

Home Loans for Nurses

Flexible loan terms aligned with shift work schedules and frontline service benefits.

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Home Loans For Dentists

Home Loans For Dentists

Lending solutions tailored for high-earning professionals with private practice considerations.

Tailored Loans for Dentists
Home Loans For Optometrists

Home Loans For Optometrists

Customised loans for optometrists balancing practice ownership and salaried roles.

Explore Optometrist Packages
Home Loans For Pharmacists

Home Loans For Pharmacists

Designed to support pharmacists navigating retail, hospital, or business ownership income structures.

Mortgage Options for Pharmacists
Home Loans For Physiotherapists

Home Loans For Physiotherapists

Tailored lending for physiotherapists in private clinics or mobile practices.

Loans Designed for Physio
Home Loans For Psychologists

Home Loans For Psychologists

Loan programs suited to private practice psychologists and those in multidisciplinary clinics.

See Psychologist Lending Benefits

Lending Solutions for Education & Teaching Professionals

Educators—from early childhood specialists and school teachers to university lecturers and support staff—deserve mortgage solutions that recognise their contribution. We offer home loans with exclusive benefits and flexible terms, making the process seamless so you can focus on your students and career.

Home Loans for Teachers

Home Loans for Teachers

Mortgage solutions that support educators with steady incomes and eligibility for LMI waivers.

Discover Teacher Programs

Specialised Home Loans for Public Service & Legal Professionals

If you work in policing, emergency response, legal services, or the defence forces, you deserve a home loan process that understands your role. Our lending solutions are designed to accommodate the demands of public service careers, providing exclusive benefits, flexible repayment structures, and personalised assistance.

From police and emergency responders to lawyers and military personnel, we’re here to simplify your home buying journey with loan options aligned with the realities of your profession.

Home Loans for Lawyers

Home Loans for Lawyers

Structured home loans for legal professionals with scalable borrowing capacity as careers progress.

See Legal Lending Benefits
Home Loans for Police Officers

Home Loans for Police Officers

Reliable mortgage options designed for law enforcement with steady service incomes and allowances.

Secure Police Offers

Tailored Lending for Trades, Business Owners & Specialists

From project-based tradies and self-employed business owners to accountants with layered income and contract-based engineers, we craft loan solutions that align with your earning patterns, cash flow cycles, and professional ambitions.

Home Loans for Tradies

Home Loans for Tradies

Flexible lending for self-employed tradies with fluctuating incomes and contractor work history.

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Self Employed Loans

Self Employed Loans

Flexible lending tailored to business owners and freelancers with variable documented income.

Apply as Self-Employed
Home Loans For Accountants

Home Loans For Accountants

Structured loan solutions designed for accountants with layered income sources and business deductions.

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Home Loans For Accountants

Engineers

Lending options structured for engineers with contract-based or salaried employment structures..

Loan Packages for Engineers

Our Service Process

Our streamlined loan process ensures you're guided from initial consultation through to settlement and ongoing support. We handle the details, so you can focus on securing the right loan with clarity and confidence.

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Understand

We begin by understanding your unique goals and needs through an initial consultation (via phone, Zoom, or in person).

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Gather

We gather key information to validate your financial situation and lay the foundation for the right loan strategy.

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Analyse & Plan

We carefully review your options and craft a lending strategy tailored to your specific needs and objectives.

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Apply

We prepare and submit your application to the lender, ensuring everything is in order.

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Finalise

We manage the settlement process, keeping you informed every step of the way and making sure everything proceeds seamlessly.

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Support

We provide continuous support and review, offering updated loan options as your needs evolve over time.

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