Frontline Finance Services

Frontline Finance Services We help people from all walks of life with their finance goals but we specialise in Firefighters, FIFO Workers & Health Professionals

Shift worker? Your income may be assessed differently depending on the lender.For nurses, police officers, firefighters,...
08/09/2026

Shift worker? Your income may be assessed differently depending on the lender.

For nurses, police officers, firefighters, doctors, military personnel and other shift workers, your income may include more than just your base salary.

Depending on your role and employment history, some lenders may reduce your:
- Overtime
- Penalty rates
- Shift allowances
- Regular additional income

But here’s the important part: not every lender assesses shift work income the same way. Some lenders may use 100% of your extra income. Others may average it over time. Some may exclude parts of your income altogether.

That’s why lender choice matters.

If you’re a shift worker thinking about buying, refinancing or increasing your borrowing power, it’s worth understanding how your income may be viewed before you apply.

At Frontline Finance Services, we help frontline and shift workers find lenders that better understand their income structure.Book a complimentary finance review with Ichtus to get clear on your options.

This information is general in nature and for educational purposes only. Your personal situation, income and lending options should be reviewed with a qualified broker before making any finance decisions.

ACL: 384621

26/08/2026

👮 Did you know your career as a police officer could open the door to lending benefits that many borrowers don't have access to?

While every lender is different, some recognise the stability, income and long-term career prospects of police officers when assessing a home loan application.

Depending on your circumstances and the lender's policies, you may be eligible for benefits such as:
✔ Reduced or waived Lenders Mortgage Insurance (LMI)
✔ More flexible assessment of overtime and allowances
✔ Competitive interest rates
✔ Borrowing assessments that better reflect your income

The key is knowing which lenders understand police income structures and how they assess your application—because not all lenders do.

If you're a police officer and you're thinking about buying a home, refinancing or investing, we'd be happy to help you explore your options.

📍 We specialise in home loans for police officers, healthcare workers, defence personnel, firefighters and emergency services professionals across Western Australia.

📞 Book your complimentary finance review today.

This information is general in nature and for educational purposes only. Your personal circumstances, income and lending options should be reviewed with a qualified mortgage broker before making any finance decisions.

ACL: 384621

🏡 Looking for an established suburb where your budget goes further?If you're buying your first home, affordability is on...
11/08/2026

🏡 Looking for an established suburb where your budget goes further?

If you're buying your first home, affordability is only part of the equation. The right suburb should also offer good access to schools, parks, transport and the everyday amenities that make life easier.

Here are three established suburbs worth adding to your shortlist if you're searching for homes around $750,000 or below.

📍 Westminster & Surrounds – Excellent value with good block sizes compared to many newer estates, a convenient location north of the river, and close proximity to major shopping centres, schools and transport.

📍 Cannington & Surrounds – A well-established area offering excellent connectivity, shopping, parks and schools. With a mix of houses, villas and townhouses, it's still possible to find quality homes at an accessible price point.

📍 Parmelia & Surrounds – One of Perth's more affordable established locations, offering generous block sizes, local amenities and easy access to public transport and the Kwinana Freeway. Continued investment and development throughout the wider Rockingham area.

Every buyer's budget and goals are different. If you're wondering what you could afford or which suburbs best suit your circumstances, we'd love to help.

We specialise in home loans for healthcare workers, defence personnel, police, firefighters and emergency services professionals across WA. The information presented in this content is current at the time of posting and sourced from CoreLogic.

📞 Book your complimentary finance review today.

ACL: 384621

23/07/2026

👩‍⚕️ Can casual nurses get a home loan?
Yes — often you can. 🏡

When it comes to home loans for nurses, casual income can still be considered even if your hours are inconsistent but you can show a strong employment history.

Lenders usually want to understand:
- How long you’ve been working casually in this role or other roles
- What you earned last financial year or previous job
- How much you've earned this financial year

The important thing to know is that not every lender will assess casual nursing income the same way. Some may be more flexible than others, which is why choosing the right lender can make a big difference.

If you’re a nurse in Australia and unsure where you stand, we can help you understand your home loan options before you apply.

This information is general in nature and for educational purposes only. Your personal situation, income and lending options should be reviewed with a qualified broker before making any finance decisions.

ACL: 384621

🚑 8th July is International Paramedics Day! We thank the incredible paramedics who work tirelessly to protect, care for...
08/07/2026

🚑 8th July is International Paramedics Day!

We thank the incredible paramedics who work tirelessly to protect, care for and support our communities every single day.

At Frontline Finance Services, we're proud to support those who dedicate their careers to helping others. Thank you for everything you do, both on and off the clock.

Happy International Paramedics Day!

📍 Frontline Finance Services
🌐 frontlinefinanceservices.com.au
📧 [email protected]

🏡 Think $800,000 isn't enough to buy in Perth? You might be surprised.Your budget can go a long way when you know where ...
02/07/2026

🏡 Think $800,000 isn't enough to buy in Perth? You might be surprised.

Your budget can go a long way when you know where to look.

In this property roundup, we've highlighted a few suburbs where an $800k budget could secure anything from a character home on a large block to a modern family home in a growing community. These properties were available online from realestate.com at the time of collating and publishing this post and are used for representative purposes to highlight suburbs worth exploring in WA.

Swipe through to see:
✔️ What $800,000 can buy in Perth right now
✔️ Suburbs that could offer strong value and future growth potential
✔️ A quick snapshot of why each location stands out

Every buyer's borrowing capacity is different, and sometimes a small change to your finance structure can open up more opportunities than you expect.

If you're wondering what you could realistically afford, we'd be happy to help.

📍Based in Perth but helping people across Australia, we specialise in home loans for healthcare workers, defence personnel, police, firefighters and emergency services professionals across WA.

📞 Book your complimentary finance review today.

We’re incredibly proud to announce we're partnering with Perth Children’s Hospital Foundation for an annual fundraiser.T...
27/05/2026

We’re incredibly proud to announce we're partnering with Perth Children’s Hospital Foundation for an annual fundraiser.

This cause is deeply personal to our family. Over the past two years, our son has received ongoing care and support through PCH while we navigate movement and development delays. The compassion, support and facilities at PCH has been something we’ll never forget.

Now, we want to give back.

Our goal is to raise $2,000+ for his 2nd Birthday over the next 12 months to help support WA children and families accessing world-class care, equipment, research and support services through Perth Children’s Hospital Foundation.

Every donation no matter how big or small, every like, comment or share on socials, and every bit of support genuinely makes a difference.

If you’d like to support our fundraiser or learn more, you can donate below or scan the QR Code.

https://fundraisefor.pchf.org.au/fundraisers/ichtusbreytenbach

Thank you for helping us turn gratitude into something meaningful for other WA families. 💙

Address

12/10 Whipple Street
Balcatta, WA
6021

Telephone

+61498493639

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