Ronald’s story
Started out as a nurse.
Ronald was a nurse when he began investing in 2015. After purchases in Queensland and Victoria, he made his Sydney purchase with us, with a plan behind each step.
Read the story
InvestorKit for healthcare workers
Your roster is full. Your investment plan doesn’t have to wait.
Whether you work nights on a ward, rotating shifts on the road or a full clinic list, we plan around your roster. Your plan is sized to what you actually take home, with buffers for leave and changing hours. Updates arrive when you can read them, and we coordinate independent local inspections for you.
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Explore client stories Free 15-minute call. No obligation.
850+ five-star Google reviews. REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.
Google reviewBeing a mum to a young toddler, working long hours and as a first-time buyer, I was nervous about the entire process, but the team made it incredibly smooth and stress-free.
Diana MRead on Google
Sound familiar?
You look after everyone else. Your own plan keeps getting pushed back.
No two weeks look the same
Nights, weekends and double shifts make business-hours calls and Saturday inspections hard to plan around.
Your income moves with your roster
Overtime, penalty rates and casual shifts come and go, and parental leave can change the picture for a year.
You worry about stretching the budget
A property that only works in your best pay months is not one you and your partner want to hold.
It can feel like others started earlier
Friends seem to have a property or two already, while you have been busy doing a demanding job.
What is really going on
Plan for your quietest month, not your best one.
Most healthcare workers we speak with are not short of discipline. What they need is a plan built on the pay they can count on, not the overtime they hope for. Size the purchase to the income you can rely on, keep buffers for leave and quieter rosters, and the property becomes something you can hold with confidence.
How we help healthcare workers
Built around your shifts, not office hours.
The same process every client follows, arranged around your roster.
- 01
Start with a free call
A 15-minute conversation about your goals, savings and how your roster works. There is no obligation, and you do not need to be ready to buy.
- 02
Size the plan to your real take-home pay
Your strategist works through your cash flow with you, allowing for overtime that varies, leave and changes in hours. Your broker confirms how lenders view your income.
- 03
Research nationally while you work
We compare markets across Australia on data and narrow to suburbs that fit the plan. You read the findings when your shift ends, not during it.
- 04
Check and negotiate for you
We coordinate independent local inspections, and every shortlisted property goes through our 20-point due diligence. We share the findings for you to review around your shifts, and you make the final call.
- 05
Stay with you after settlement
We coordinate settlement with your broker, solicitor and property manager, then review your plan when your hours or family change.
Experience behind the approach
Meet our clients- Clients with a completed purchase
- 2,200+
- Completed property purchases
- 3,100+
- Typical time from signing to exchange
- 2 to 4 months
REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.
Dated company experience. Purchase counts and reach are historical; individual outcomes vary and are not a forecast of your results.
Success stories
People who started around full schedules.
In their words
What clients say about working with us.
Excerpts from verified Google reviews. Individual experiences, not promised or typical results.
Google reviewThey really do all the heavy lifting, meaning my husband and I could continue focusing on our work commitments.
Maddison WoodsRead on Google
Google reviewKit has presented a clear strategy for the years ahead, and Mehul has gone above and beyond from our first interaction to meet our busy schedule and demanding situation. Weekend calls, evening calls, helpful referrals when we needed help and so much more.
Trent OlsenRead on Google
A fair question
Can we afford to hold it if our hours drop?
That is the right question to ask before you buy, not after. We plan cash flow on the income you can rely on, then allow buffers for leave, fewer shifts and vacancy, so the property does not depend on overtime. Your broker confirms how lenders treat your income. If the numbers only work in your best months, we will say so.
- We confirm the scope and fee with you before you engage us.
- Paid by you only: no developer commissions and no selling agent referral fees.
- You approve every purchase. Nothing is bought without your agreement.
Your next step
Start with a free 15-minute call.
Tell us where you are and what you want. We will explain how we work and whether we are the right fit. You do not need to be ready to buy.
The discovery call suits people with access to at least $125K in savings or equity, or guarantor support.
850+ five-star Google reviews. REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.
Weighing your options
Investing on your own, or a team beside you.
The alternative
Investing on your own
You build the plan
Build your own strategy and seek professional input where needed.
You assess the evidence
Source data, compare markets and decide which evidence to trust.
Your search and network
Search listings and build your own agent relationships.
With InvestorKit
A team beside you
Strategy, together
Work with a property strategist to connect your goals, buying brief and portfolio plan.
Dedicated research
A dedicated research team assesses supply, demand and market fundamentals.
A team sourcing for you
An acquisitions team sources opportunities through listings and agent relationships.
Rules and policy
What has changed recently
Current at . General information, not financial, tax or legal advice. Check how any change applies to you with your accountant or adviser.
Law, not yet startedFederalFrom
Negative gearing limited for established homes
From 1 July 2027, losses on established residential investment properties bought after 7:30pm AEST on 12 May 2026 can only be offset against residential property income and gains, not wages. Properties already held at that time keep their current treatment, and newly built homes are exempt.
Source: ATO: negative gearing and CGT reforms (opens in a new tab), Budget 2026-27 explainer (PDF) (opens in a new tab)
Law, not yet startedFederalFrom
CGT discount replaced by indexation and a 30% minimum tax
For gains that build up from 1 July 2027, the 50% capital gains tax discount is replaced by indexing the cost base to inflation, plus a 30% minimum tax on the real gain. Gains built up before that date keep the 50% discount, and main residences stay exempt.
Source: ATO: negative gearing and CGT reforms (opens in a new tab), Budget 2026-27 explainer (PDF) (opens in a new tab)
In forceFederalFrom
Bank limit on high debt-to-income lending
Since 1 February 2026, each bank can make no more than 20% of its new home loans at a debt-to-income ratio of six times or more. It caps the bank’s share of that lending, not any one borrower, and loans to buy or build new homes are exempt.
Source: APRA: limit on high debt-to-income loans (opens in a new tab)
Read more from InvestorKit
Is this you?
An honest fit check.
The discovery call suits people with access to at least $125K in savings or equity, or guarantor support.
- You work shifts or long hours and cannot research in business hours
- You and your partner want a plan built on pay you can count on
- You want updates you can read when your shift ends
- You would rather decide with evidence than with a sales pitch
A good fit
This may suit you if...
- You want a plan that relies on overtime to hold the property
- You want a return promised upfront. Nobody can honestly offer one
- You need to buy this month, whatever the property
Probably not a fit
This may not suit you if...
Before you decide