• hello@valourfinancial.com.au
  • 0437 453 518
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  • Regional Australia

Finance for Those Who Serve

You work shifts, take the call, and show up when others cannot. Getting into your own home should not be this hard. Valour Financial specialises in home loans, investment loans and car finance for essential workers across regional Australia, with access to LMI waivers, lenders who count 100% of your overtime, and a broker who understands how you actually get paid.

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See If You Qualify

Avoid LMI

Save tens of thousands by avoiding LMI with the right lender

90+

90+ lenders accessed in one place

100%

Regional Australia focused

★ 5

5 star rated on Google Reviews

  • Our Name

What Valour means

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“Valour means courage. Strength in the face of danger. The willingness to show up, no matter the circumstances.”
It is what a nurse brings to a ward at 3am. What a paramedic brings to a roadside in the dark. What a teacher brings to a classroom full of kids who need them. What a firefighter brings when everyone else is running the other way.
We named this business Valour because the people we serve embody it every single day. The least we can do is make sure they get the same dedication when it comes to their finances.
  • Who We Help

Built for the people who keep regional Australia running

Valour Financial was built with one focus: helping essential workers get into property and access the finance they need on their own terms. We understand your pay structure, your shift allowances, and which lenders will count your full income. Whether you are buying your first home, upsizing, investing, or need a car loan, we do the heavy lifting so you can focus on the job.

Nurses & Midwives

Paramedics

Firefighters

Teachers & Educators

Allied Health

Police Officers

  • Essential Worker Benefits

What essential workers can access

01

LMI Waivers

Many lenders waive Lenders Mortgage Insurance for eligible essential workers, saving tens of thousands with the right lender. Eligibility depends on your profession and the lender. We know exactly which ones apply.

02

Full Income Assessment

We find lenders who count 100% of your overtime, penalties and allowances. Not just your base pay. This can significantly increase what you can borrow compared to going direct to a bank.

03

HECS and HELP Debt

If you have HECS debt, it may be far less of a problem than your bank told you. The right lender, depending on how close you are to paying it off, can exclude it from their servicing assessment entirely or apply a reduced buffer.

03

First Home Buyer Options

We compare the Government 5% Deposit Scheme against essential worker LMI waivers and recommend the right path for your situation. The Government scheme has property price caps that many regional homes now exceed. When that is the case, the LMI waiver is often the better option.

04

Discounted Interest Rates

Some lenders offer genuine rate discounts specifically for essential workers. That means a lower rate from day one, not just a better loan structure. We know which lenders offer this and whether it applies to your profession.

  • (Testimonials)

What Our Clients Say

EXCELLENT

Based on over 170 reviews

  • What We Offer

How we can help

First Home Buyers

Get into your first home with as little as a 5% or 10% deposit. We compare every option and find the right path for your profession and situation.

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Next Home Loan

Ready for your next home? We help essential workers in regional Australia buy their next home, manage the transition and structure their finance correctly.

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Investment Loans & SMSF

Build wealth through property with the right loan structure. We also help essential workers access investment through their self-managed super fund.

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Refinancing

Already have a loan? We review your current rate, compare alternatives across 90+ lenders, and refinance when it makes sense.

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Construction loans

Building your own home is one of the most rewarding things you can do. We make sure the finance does not get in the way.

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Car Loans

Competitive car loans compared across our lender panel. New or used, we find the right fit for your income and situation.

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  • About US

Michael Nalesnyik
Director and Mortgage Broker

I have been a mortgage broker for over ten years. In that time I have helped hundreds of Australians buy homes, refinance, and build wealth through property. But a few years ago I made a deliberate decision to narrow my focus to essential workers and I have not looked back.
My family includes nurses, teachers and frontline workers. I have sat in hospital waiting rooms and watched what those people do. I have seen the hours they put in, the pressure they carry, and the genuine care they bring to their work. That connection made it an easy decision to build Valour Financial around serving the people I admire.
Today my focus is essential workers across regional Australia. People who keep their communities running and deserve a broker who actually understands their situation. I know which lenders count 100% of overtime and penalty rates. I know the LMI waiver policies by profession. I know how to structure an application for someone on a roster, a contract, or a casual arrangement. That specialist knowledge is what I bring to every single client.
I live in regional Victoria with my wife and three young kids. We love the country lifestyle, the space, the community, the pace of it. It is why I focus on regional Australia. I understand what it means to build a life here, and I want to help more essential workers do the same.
When you work with Valour Financial, you deal with me directly. No call centres, no handoffs. Just straight answers and someone who genuinely wants to see you get the result you deserve.
Book a Call with Michael
  • About Us

Princess Napo
Broker Assistant

I am an accounting graduate with 17 years of experience in banking and finance. I have also been a licensed financial adviser for nearly a year, but I continue to focus on supporting brokers in helping clients achieve their goals of purchasing a new home or refinancing their existing loans. For more than seven years, I have been assisting brokers and clients throughout their home loan journey.

Coming from a family that rented our home until I graduated, I personally understand how challenging it can be for everyday Australians to purchase a home without financial backing or support. Through hard work and determination, I was able to buy my first home, and that experience drives my passion for helping others achieve the same dream.

Australians are fortunate to have brokers like Michael, who genuinely guide and support clients in finding the right home loan solutions and better financial options. I take pride in delivering not only the best possible outcomes for our clients, but also service that goes beyond expectations.

  • How It Works

Our Process

  • Step One

Initial Consultation

Book a discovery call with us. We find out your current situation and where you want to get to, and which profession-specific benefits you may qualify for.

01

  • Step Two

Income and Serviceability Assessment

Your full income is assessed including overtime, shift penalties and allowances across 90+ lenders to find your real borrowing power.

02

  • Step Three

Loan Strategy and Lender Shortlist

A tailored loan strategy is developed for your situation and the lenders best suited to your profession, deposit and goals are identified.

03

  • Step Four

Application and Submission

Your application is prepared and submitted with all paperwork handled and lender communication managed throughout.

04

  • Step Five

Approval and Settlement

The approval process is managed through to settlement, coordinating with all parties so nothing falls through.

05

  • Step six

Ongoing Support and Rate Reviews

We stay in touch after settlement. As your situation changes and rates move, we make sure your loan keeps working for you.

06

  • Why Choose Us

Why Valour Financial

Valour Financial
Your Bank
Access to 90+ lenders
LMI waivers for essential workers
100% overtime and shift income assessed
Legally required to act in your best interests
Regional essential worker specialisation
Ongoing rate reviews after settlement
Free to you
  • Common Questions

Frequently asked questions

Do I automatically qualify for an LMI waiver as an essential worker?
Not automatically. Eligibility depends on your profession, the lender’s current policy, your loan amount, and the property you are purchasing. Policies change regularly. That is exactly why working with a specialist broker matters. We know which lenders are most likely to approve your waiver right now.
With the right lender, yes, in full. Some lenders discount overtime income or require 24 months of history. Others accept as little as 3 months if it is consistent. We identify which lender approach gives you the strongest borrowing position based on how you actually earn your income.
Yes. We specialise in structuring applications for non-standard employment. Many essential workers are on rosters, rotating contracts or part-time arrangements and we know exactly how to present your income to lenders who understand that.
It can, but less than most people expect with the right lender. Some lenders can exclude HECS from their servicing assessment if you are within a certain timeframe of paying it off. We assess your situation and find the lender whose policy works best for you.
Nothing. Our service is completely free to you. We are paid by the lender when your loan settles.

Ready to find out what you qualify for?

It costs nothing to find out. Book a call with Michael and get a straight answer about your options.
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Valour means courage. Strength in the face of danger. The willingness to show up, no matter the circumstances.
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Quick Links

Our Service

Contact Us

Phone

0437 453 518

Email

hello@valourfinancial.com.au

Location

Regional Victoria (clients across regional Australia)

Valour Financial | Michael Nalesnyik | Credit Representative of Loan Market Pty Ltd | Australian Credit Licence 390222 | General information only. This is not personal financial advice. Normal lending criteria apply. Fees and charges may apply. Subject to lender approval. Rates subject to change.
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