01·Waiver
95%
LMI Waiver for Medicos
Borrow up to 95% LVR with $0 Lenders Mortgage Insurance.
Learn more
Strategic doctor & medico
home loans,
for Melbourne.
- LMI waivers up to 95% LVR
- Exclusive doctor and medico policies
- Practice & equipment finance
Pre-approval response in 3-5 business days
01 / 04
Team Cutter & Co
20+ Years
Experience
Award-winning
Team
98%
Loan approvals
Tailored
Borrowing solutions
Strategic
Financial advice
Why Melbourne Trusts Us
Award-winning, and
always on your side.
[ 01 ]
Hall of Fame
Industry Leading Brokers · 2026
[ 03 ]
Your data is secure
Never shared or sold to third parties
[ 04 ]
20+
Years helping
Melbourne medical professionals
Analysis
Does this
sound familiar?
Your bank is quoting generalist rates, completely ignoring the discounts you qualify for as a medical professional.
You're paying LMI you shouldn't - eligible doctors and dentists can borrow up to 95% LVR with no Lenders Mortgage Insurance.
Irregular shifts, overtime, private practice income - most lenders won't assess it properly, capping your borrowing power.
[ 01 ] Personalised lending
For every
stage of your career.
Whether you're a junior doctor purchasing your first home or a specialist fitting out a multi-million dollar imaging suite, Cutter & Co provides the expert scaffolding for your growth unlocking LMI waivers, exclusive medico interest rates, and practice funding that generalist brokers simply can't access.
Chantal Cutter
Founder & Strategic Director
How We Help
Here's how
Cutter & Co helps.
Four core principles that shape how we guide your financial journey and secure the right solutions.
[ 01 ]
Your time & money comes first
We’re a client-first firm where people matter more than numbers. We guide you with clarity and confidence so you can make informed decisions in any market, allowing you to move forward with certainty at every stage of your journey.
[ 02 ]
Market-leading expertise
With decades of credit-backed banking experience, we keep you ahead of the curve. We stay on top of policy changes to guide you through best-practice lending strategies, providing clear, straightforward education behind every recommendation.
[ 03 ]
Best Interest Duty: Putting clients first, always
We work for you, not the banks. Founded over 12 years ago to offer more than a single bank's products, we take Best Interests Duty seriously. Every recommendation we make is centered entirely on your needs to support your long-term financial freedom.
[ 04 ]
Ongoing Management
We update our clients on all relevant milestones for their loans, and we consistently review and renegotiate their rates through our specialist review team.
[ 02 ] Strategic options
Four main benefits.
Every medico career arc is different. We blend LMI waivers, discounted rates, and commercial levers so your professional status translates into real savings.
02·Goodwill
100%
100% Goodwill practice loans
Seeking to invest in the current practice you work for without using equity in property? We can help.
Learn more
03·Commercial
100%
Consulting Suite Finance
100% funding to buy your practice premises instead of leasing.
Learn more
04·Equipment
100%
Medical Equipment Finance
Fund MRI, dental chairs, and fit-outs with zero upfront deposit.
Learn more
[ Eligibility ] Who We Can Help
Eligible medico professionals.
We assist a wide range of medical and healthcare professionals in securing specialized lending products, including LMI waivers and exclusive rate discounts. Check if your profession falls under Group A or Group B below.
Group A
Specialist Pathway- Dentists
- General Practitioners
- Hospital-employed Doctors (e.g. Intern, Resident, Registrar, Staff Specialist)
- Medical Specialists-refer to List of Australian Recognised Medical Specialties for the list of acceptable Medical Specialties
Group B
Allied Health & Nursing- Audiologist
- Chiropractors
- Midwife
- Occupational therapist
- Optometrists
- Osteopath
- Pharmacists
- Physiotherapists
- Podiatrist
- Psychologist
- Radiographer
- Registered nurse
- Sonographer
- Speech Pathologist
- Veterinary Practitioners
[ 03 ] Roadmap
Your roadmap to
medico finance.
Six deliberate steps engineered around the way medical professionals actually earn and work.
- Step01
First strategy session – 15 minutes
Our team takes the time to understand your current financial position, future goals, and long-term objectives so we can provide the right lending strategy and guidance for you and your family because the right strategy makes all the difference.
- Step02
Medico Eligibility Assessment
We conduct a comprehensive assessment of your financial position, goals, and lending needs to provide tailored recommendations based on current lender policies and market research. By considering your profession, income structure, lending requirements, and available rate discounts, we help match you with the lender and loan solution best suited to your circumstances.
- Step03
Submission to the bank
We take the stress out of the lending process by managing everything on your behalf and working closely with the banks to ensure your application is assessed correctly from the start. Our team advocates for you behind the scenes to achieve the fastest possible pre-approval or formal approval turnaround, allowing you to focus on the exciting next steps with confidence and peace of mind.
- Step04
Pre Approval OR Approval
Our team has a strong background in credit assessment, giving us the expertise to structure applications strategically and achieve the best possible outcomes for our clients. By working closely with lender credit teams throughout the process, we help secure smooth approvals and faster turnaround times for you.
- Step05
Settlement
We make every stage of the process as seamless and stress-free as possible by providing a clear funding breakdown for your refinance or purchase, so you know exactly where you stand leading into settlement. We also manage the discharge process, coordinate with your solicitor or conveyancer, and handle the communication with the lender - allowing you to relax while we take care of everything behind the scenes until the moment we can say, “Congratulations, your loan has settled.”
- Step06
Ongoing support
You’ll be supported by a mortgage and finance firm built entirely around people, not numbers. Our focus is always client-first - guiding and supporting you through every stage of your journey, from exciting milestones to times of uncertainty. We’re here to help protect what matters most to your family while ensuring your lending remains competitive, with the best possible rates and solutions available to you at every stage of life.
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Award-winning team · Melbourne
The Cutter & Co team
Melbourne
[ 04 ] A moment
Your medico journey,
backed by an award-winning team.
“From your first internship to private practice, medicos deserve a broker who speaks your language not a generalist who flattens your income into averages.”
2026
Hall of Fame
80+
5-Star reviews
MFAA
Accredited
Our Partners
Accredited Across 40+
Leading Lenders
Google · 5.0
[ 05 ] Reviews
Client reviews on our medico finance advice.
“Chantal and her team were professional, friendly, and incredibly helpful in finding the right loan for our first home. Their guidance and communication throughout the process were excellent.”
Laura & Joey S
Verified Client
“The level of service, attention to detail and positive attitude has been consistent every time. If you're looking for a 5-star team that makes you feel like a valued client, look no further.”
Jean C
Verified Client
“Chantal and her team worked tirelessly to find the right loan for our needs. We would highly recommend Cutter & Co to anyone looking for a reliable, professional broker.”
Nat & Damien B
Verified Client
“Truly outstanding. From the moment we made our initial enquiry they worked diligently to find a loan that met our needs their communication was exemplary.”
Measha & Dean A
Verified Client
[ 06 ] Essential answers
Questions doctors
& medicos
actually ask.
Short, honest answers written for healthcare professionals.
A bank can only offer its own products. A mortgage broker compares multiple lenders, policies, and loan structures to find an option that better suits your goals.
At Cutter & Co, we look beyond the rate. We help structure your application, manage the paperwork, liaise with lenders and solicitors, and guide you from strategy through to settlement. For clients with complex income, business income, ABN income, or long-term wealth goals, the right broker can make the process clearer, smoother, and more strategic.
Get My Medico ConsultationReady to unlock rates and
speak with an expert today?
Tell us where you're at. We'll come back at our earliest with a shortlist of medico-specific lenders, LMI waivers, and rate discounts tailored to your profession.
- Your data is secure never shared or sold.
- 20+ years helping Melbourne medical professionals.
Step 1 of 3
What kind of medico finance do you need?
Takes less than 60 seconds. No obligation to proceed.
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