HOME LOANS FOR ESSENTIAL WORKERS GOLD COAST
A loan that counts your allowances, not just your base pay.
Alexandra Armenis
“Lee managed every aspect of our financing and made it stress-free, with updates at every step of the way. Our family would be giving six stars if we could.” Read more reviews here.
ABOUT SERRES, ESSENTIAL WORKER LENDING EXPERT
Chat with Lee, your Gold Coast essential worker lending expert.
For over 14 years Lee has run a private REIT with a diverse property portfolio — the foundation of Serres Property Finance. The business came out of something he kept noticing: lending is constantly evolving, and so are clients' needs.
There was a time when your bank manager knew you, and trust and service mattered more than a credit file. Then the GFC hit, the Banking Royal Commission followed, and the doors got harder to open — especially for complex borrowers like the self-employed, investors and first home buyers. Now, knowing which lender to approach and what they'll actually say yes to makes all the difference.
Lee's family are property owners and investors themselves. They started with one investment property in Newtown, then moved into care facilities and multi-storey residential development. So whether you're buying your first home, building toward retirement, or running a development, Lee knows the challenges you face and how to get the right outcome.
Credit Representative 550725 is authorised under Australian Credit Licence 486112.
1. Eligibility checked against your occupation.
Police, fire, ambulance, defence, government employees and teachers, matched to lenders whose eligibility lists actually include your role.
2. Shift allowances and overtime counted.
Shift penalties, overtime and allowances make up a real part of your income. We place your loan with a lender who counts them properly rather than discounting them away.
3. Structured around how the job works.
Relocations and changes of posting are normal in these roles, so we structure lending that doesn't need unwinding when you move.
Accredited with 70+ lenders.
We work with over 70 banks & lenders.
Some of the lenders we work with include:
How Our broadbeach Mortgage broker helps
Why do Gold Coast essential workers use Serres?
Two lenders can look identical on price and reach different borrowing limits for the same essential worker, purely because of how each treats overtime, penalties and allowances.
We hold accreditations across a panel of 70+ banks, non-banks and specialist lenders, and check occupation-based concessions before we lodge anything.
Schedule a call to find out more.
BROADBEACH MORTGAGE BROKER REViews
“Serres helped with my refinance and did an excellent job finding me the right lender for my circumstances. I was kept up to date and everything moved forward as planned. Couldn't recommend Lee and Serres enough!"
Spica Delorino
June 2026
★★★★★
Contact our broadbeach broker today
Chat to Lee & our local home loan experts today.
Our team have over fifteen years experience helping Gold Coast locals, simply get in touch today.
Get in touch.
I'll reply the same way you contacted me, unless you say otherwise.
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FAQs
Do essential workers get better home loan terms?
Some lenders extend LMI concessions or higher LVRs to eligible occupations, and eligibility lists differ significantly between them. We check which apply to your role.
Will lenders count my shift penalties and overtime?
Many will, though some discount it heavily and others assess it close to face value where the history is consistent. That difference can move your borrowing capacity considerably.
Can I use a government scheme as well?
We check your eligibility for relevant schemes and grants alongside standard lending, so you see the full picture of what's available to you.
Does moving between postings affect my application?
Relocation and changes of posting are normal in these roles. We choose a lender whose policy on employment continuity reflects how your career actually works.
