Frontline Finance Services

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

21/10/2026

🚑 Paramedic? Not all lenders assess your income the same way.

Your income may include overtime, penalty rates, shift allowances and other additional payments — and lenders can treat these very differently when calculating your borrowing capacity.

Here are 3 things to consider before applying for a home loan:

1️⃣ Speak to a Broker early

Your last 2 payslips don’t always tell the full story. Time off, shift patterns and income variations can all make a difference. What you earned last year, what you’re earning year-to-date and what you’re on track to earn can all be relevant.

2️⃣ Discuss your debts and credit limits

Credit cards, personal loans, car finance and other liabilities can affect your borrowing capacity — even unused credit card limits.

Some clients think they need to pay off debt before speaking to a broker. But you may have strong borrowing capacity and need more deposit, or a strong deposit but lower borrowing capacity. Understanding your position first can help you decide what to do next.

3️⃣ Understand lender policies

Different lenders have different policies around income, borrowing capacity, deposit requirements, interest rates and fees.

You could approach 10+ banks yourself, or speak to a specialist who can help you navigate 50+ lenders before you apply.

At Frontline Finance Services, we understand the income structures that come with frontline careers.

If you’re a paramedic looking to buy, refinance or invest, talk to us before you apply. We can help you understand your options.

📞 Book your complimentary finance review today.

This information is general in nature and for educational purposes only. Borrowing capacity varies depending on your income, expenses, liabilities and individual lender policies. Please seek personalised advice before making any finance decisions.

ACL: 384621

🏡 What can $700,000 actually buy you in Perth right now?With Perth’s median house price climbing, a $700k budget might n...
06/10/2026

🏡 What can $700,000 actually buy you in Perth right now?

With Perth’s median house price climbing, a $700k budget might not stretch as far as it once did — but that doesn’t mean you’re out of options.

It just means where you look and the type of property you consider matters.

Swipe through to see what a budget around $700,000 could look like across different parts of Perth, including:

✔️ Established homes further from the C*D
✔️ Smaller homes and townhouses in growing areas
✔️ Apartments and units closer to the city
✔️ Suburbs where your budget may still get you a little more

For context, current REIWA data shows median prices around this range for a 3-bedroom home in areas such as Armadale and Medina, while around $700k is also the current median for a 2-bedroom unit in Perth itself.

The important part is working out what your budget actually looks like before you start ruling suburbs in or out.

Sometimes your borrowing capacity may be different to what you expect — particularly if you earn overtime, allowances, penalty rates or other variable income that different lenders assess differently.

If you’re starting your property search and want to know what you could realistically afford, we’d be happy to help.

📍 Frontline Finance Services specialises in home loans for healthcare workers, Defence personnel, police, firefighters and emergency services professionals across WA.

📞 Book your complimentary finance review today.

Property figures are based on REIWA data available at the time of preparing this post and are indicative only. Individual properties and sale prices vary.

This information is general in nature and for educational purposes only. Your personal circumstances and lending options should be reviewed before making any finance decisions.

ACL: 384621

Exciting to be a part of something bigger & meaningful.After close to 5 years in mining & rescue myself, I never could h...
24/09/2026

Exciting to be a part of something bigger & meaningful.

After close to 5 years in mining & rescue myself, I never could have imaged in less than another 5 years I'll be in this position building partnerships in the Frontline & FIFO industry, sponsorships with meaningful & aligned partners and fund raisers for special causes.

We're excited to announce we're partnering with The Resource Hub & specifically Resourceful Women to help those in the FIFO industry better understand their options & how to navigate their finance goals.

If you would like to know more, reach out below.

www.frontlinefinanceservices.com.au
[email protected]
https://calendly.com/ichtus/phone-call-initial-interview-clone

24/09/2026

🎖️ Serving in the ADF? Here are three common home loan mistakes we see Defence personnel make.

When it comes to applying for a home loan, your career can present unique considerations—but not every lender assesses Defence personnel in the same way.

Here are three mistakes to avoid:

1️⃣ Applying with the first lender you find or bank with
Lending policies vary, and some lenders may assess Defence income, allowances and employment differently than others.

2️⃣ Assuming all lenders assess your income the same way
Allowances and other income components may be considered differently depending on the lender and your individual circumstances.

3️⃣ Applying before understanding your options
Taking the time to compare lenders and understand your borrowing capacity can help you make a more informed decision.

At Frontline Finance Services, we specialise in home loans for Australian Defence Force personnel and can help you compare a range of lenders to find a solution that's suited to your circumstances and goals.

If you're serving in the Army, Navy or Air Force and would like to better understand your home loan options, we're here to help.

📍 Proudly supporting Defence personnel across Western Australia.

Important: We are unable to confirm your eligibility for the Defence Home Ownership Assistance Scheme (DHOAS). For full eligibility criteria, visit dhoas.gov.au or call 1300 434 627.

This information is general in nature and is provided for educational purposes only. Lending policies, eligibility criteria and loan features vary between lenders. Please seek personalised advice before making any finance decisions.

ACL: 384621

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

Address

12/10 Whipple Street
Balcatta, WA
6021

Telephone

+61498493639

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