G’day, amazing educators!
Remember the days of chalkboards, overhead projectors, and playing “Three Blind Mice” on the recorder? While a lot has changed since then, one thing remains the same: the importance of having a place to call your own—a home that gives you comfort and stability after a long day in the classroom.
At Finance 48, we’ve worked with teachers long enough to understand your world. From lesson planning to playground duty, your days are full—and we’re here to make the home loan process easier and more rewarding for you. Whether you’re buying your first home, upgrading, or investing, there are some great advantages tailored specifically for Australian teachers.
Here are 10 fantastic benefits you can tap into right now:
1. Access Up to 95% LVR on Home Loans
Saving for a deposit is often the toughest hurdle. That’s why we offer up to 95% Loan-to-Value Ratio (LVR) on all home loans—including investment properties. With as little as 5% deposit, you could be unlocking the front door to your own home sooner than you think!
2. Essential Worker Discounts for First Home Buyers
As a teacher, you’re shaping futures every day—and that deserves recognition. We offer exclusive essential worker discounts on packaged loans for first-time buyers. These include offset accounts (hello, interest savings!) and no annual fees—so more money stays in your pocket for life’s little joys.
3. Support with the Home Guarantee Scheme
If you’re eligible for the Home Guarantee Scheme, we’ve got you covered. We can help you access up to 95% LVR through this initiative designed to make it easier for first home buyers to enter the market—without needing a huge deposit.
4. Construction Loans for Your Dream Home
Thinking of building from scratch? We’ve got construction loans designed just for that. Think of it as laying the foundation for your future—just like you do for your students every day.
5. No Proof of Savings Needed (for Low LVRs)
We get it—saving while juggling teaching commitments can be tough. If your LVR is under 90%, we won’t ask for proof of savings. Less paperwork, less stress.
6. Family Guarantor Options Available
If a loved one wants to lend a hand, we accept family guarantors, which can boost your borrowing power and help you secure a home sooner. Teamwork really does make the dream work!
7. We Understand Teaching Employment
Full-time, part-time, casual, or on contract—we know how teaching employment can vary. Our lending options are flexible, designed to suit your work life, not the other way around.
8. Free Home Loan Health Checks
Already have a loan? Let’s make sure you’re getting the best deal. We offer obligation-free loan health checks, comparing your current setup with over 60 lenders to see if you could be saving more.
9. Complimentary Property Reports & Desktop Valuations
Before you fall in love with a property, get the full picture. We provide free property reports and desktop valuations to help you make informed decisions with confidence.
10. Personalised Service—Wherever You Are
If you’re in the Perth Metro area, we’ll happily come to you. Prefer a digital chat or live outside of Perth? (anywhere in Australia actually!) No worries—we’ll set up a video call at a time that suits you.
Giving Back to the Teaching Community
We’re not just here to help with your home loan—we’re here to support your wellbeing, too. That’s why a portion of our commission from every mortgage settled goes to The Black Dog Institute, funding vital mental health initiatives for teachers and beyond.
Ready to Make Your Move?
At Finance 48, we’re passionate about helping Aussie teachers achieve their homeownership dreams. With tailored advice, flexible lending options, and a deep respect for your profession, we’re here to walk the journey with you.
👉 Reach out today, and let’s chat about how we can help you find the right loan—and the right home—to suit your future.
Because when teachers thrive, communities flourish.