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Louise Beahan

Property & Finance Advisor

Louise Beahan has more than 23 years of experience across property and finance, including mortgage broking and financial planning. She works with Essential Workers to understand buyer pathways, deposit options and finance readiness, drawing on advisory networks built over two decades in Australian housing.

RG146 experience in financial planning and mortgage broking. Specific licence holdings to be confirmed by editorial before publication.

Essential Worker Homes is a private platform, not a government department. Author profiles describe relevant experience and do not constitute a financial product recommendation or an endorsement.

Articles by Louise Beahan

A key on a tag resting on a folded map and notebook
Essential & Key Worker Guides

Essential Worker Housing in Australia: A Practical Guide

How Essential Worker housing works in Australia, from how discounted homes are created to the finance that sits behind them.

louise-beahan· 6 Nov 2026
A folded work uniform resting on a chair near a window in soft daylight
Eligibility & Occupations

Who Qualifies as an Essential Worker for Housing?

There is no national definition of an Essential Worker. Here is how the term is actually applied, and how eligibility is tested.

louise-beahan· 6 Nov 2026
Two healthcare workers in plain scrubs at a hospital entrance at shift change
Professions

Home Buying Assistance for Nurses

The lender waivers, government schemes and income evidence that matter when a nurse buys a home.

louise-beahan· 6 Nov 2026
A teacher arranging books on a classroom desk in soft window light
Professions

Home Buying Assistance for Teachers

Where teaching sits against lender waiver lists, and what government support actually applies to teachers.

louise-beahan· 6 Nov 2026
Two paramedics beside an ambulance on a quiet suburban street at dusk
Professions

Home Buying Assistance for Paramedics and Emergency Workers

Waivers, rostered overtime and income evidence for paramedics, firefighters and police buying a home.

louise-beahan· 6 Nov 2026
A light-filled early learning room with timber furniture and plants
Professions

Home Buying Assistance for Childcare and Aged Care Workers

What early childhood, aged care and disability support workers can use, and what is not currently available to them.

louise-beahan· 6 Nov 2026
A savings passbook, calculator and coins beside a written budget on a warm desk
Finance & Deposits

How Much Deposit Does an Essential Worker Need?

What deposit you need, what each level costs you in mortgage insurance, and where the money can come from.

louise-beahan· 6 Nov 2026
A hand filing a document beside a house-shaped wooden block on a pale desk
Finance & Deposits

Can You Buy a Home with a 5% Deposit?

How the 5 percent Deposit Scheme works, what it removes, what it does not, and how a discounted price helps.

louise-beahan· 6 Nov 2026
A printed household budget with a pencil and reading glasses on a timber table
Eligibility & Occupations

Essential Worker Housing Income Limits Explained

The four different income tests that govern Essential Worker housing, and why a household can pass one and fail another.

louise-beahan· 6 Nov 2026
Archived property documents in a folder tied with string on a pale shelf
Eligibility & Occupations

Can You Qualify If You Have Previously Owned Property?

Which benefits prior ownership rules out, which it does not, and why a discounted price is a different question.

louise-beahan· 6 Nov 2026
Two model houses side by side, one whole and one divided into sections
Finance & Deposits

Shared Equity Versus Discounted Purchase Price

Two structures that both cut the entry cost but behave very differently over time, compared on cost, exit and obligations.

louise-beahan· 6 Nov 2026
Hands writing notes beside a laptop and a cup of tea on a timber desk
Essential & Key Worker Guides

What Happens After Your Eligibility Check?

What happens after you complete an eligibility check, what we look at, and what to have ready.

louise-beahan· 6 Nov 2026
A property contract with a pen and reading glasses on a timber table
Essential & Key Worker Guides

What to Ask Before Buying an Affordable Housing Property

The questions worth asking about a discount, the property, the finance and the contract before you commit.

louise-beahan· 6 Nov 2026