01·Rates
0.5-2%
Lower rates for doctors
Exclusive medico lending programs with rate discounts not available to the general public.
Learn more
Strategic Doctor Home Loan
Refinance Melbourne.
Doctors face a complex financial landscape. Our award-winning Melbourne brokers specialise in LMI waivers, 0.50-2% rate discounts, and lending structures built for medical professionals.
- Permanent LMI waivers for eligible doctors
- Exclusive 0.50-2% rate discounts
- Lending structures tailored to medical careers
Response within 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 Doctors Trust Us
Award-winning, and
always on your side.
[ 01 ]
Hall of Fame
Bankwest Broker Awards · 2026
[ 03 ]
LMI waiver specialists
Permanent waivers for eligible doctors
[ 04 ]
20+
Years helping
Melbourne medical professionals
[ 05 ]
$0
No cost to you
We are paid by lenders, not by you
Analysis
Does this
sound familiar?
HECS debt is dragging down your borrowing capacity, even though your income is strong and growing.
Irregular private practice income or mixed hospital/practice earnings make standard lending policies a poor fit.
You're time-poor, working long shifts, and don't have hours to compare lenders and negotiate rates.
[ 01 ] Precision lending
Empowering your
financial future.
Navigating the Australian medico lending market requires a specialist. At Cutter & Co, we understand the unique financial position of doctors and leverage exclusive lender programs to secure lower rates, permanent LMI waivers, and structures that work with your career not against it.
Chantal Cutter
Founder & Strategic Director
How We Help
Here's how
Cutter & Co helps.
Specialist lending strategies, LMI waivers, and rate negotiations tailored to the medical profession.
[ 01 ]
Lower interest rates for doctors.
We access exclusive medico lending programs that offer 0.50-2% rate discounts over standard products, saving you thousands each year.
[ 02 ]
Permanent LMI waivers.
Eligible doctors can purchase with as little as 5-10% deposit and avoid Lenders Mortgage Insurance entirely, saving $10K-$40K upfront.
[ 03 ]
Debt consolidation and equity access.
We restructure your lending to consolidate HECS, credit cards, and practice loans into a single competitive facility aligned with your goals.
[ 02 ] Strategic options
Four levers to pull.
Pick the one that fits.
Every doctor's financial situation is different. We blend rates, LMI waivers, equity, and structure so your mortgage works as hard as you do.
02·LMI
5-10%
LMI waivers
Purchase with just 5-10% deposit and no Lenders Mortgage Insurance for eligible medical professionals.
Learn more
03·Equity
80%
Equity access
Unlock up to 80% of your property value for renovations, investments, or practice upgrades.
Learn more
04·Structure
Split
Fixed vs variable
Strategic rate splits tailored to your income pattern and risk appetite as a medical professional.
Learn more
[ 03 ] Roadmap
Your roadmap to
lending success.
Six deliberate steps engineered around the way you actually live, earn, and plan.
- 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
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 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 doctor home loan journey,
backed by an award-winning team.
“Doctors deserve a mortgage strategy that recognises their unique career trajectory. We build lending structures that grow with you from registrar to consultant and beyond.”
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 doctor lending advice.
“Chantal and her team were professional, friendly, and incredibly helpful in refinancing our mortgage onto a much better rate. 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 refinance structure 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
actually ask.
Short, honest answers about doctor home loans, LMI waivers, and medico lending programs.
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 Doctor Loan ReviewReady to unlock your
doctor lending advantages?
Tell us where you're at. We'll come back within 24 hours with a shortlist of medico-specific lenders, LMI waiver options, and rate strategies tailored to your situation.
- Your data is secure never shared or sold.
- 20+ years helping Melbourne medical professionals.
- No cost to you. We're paid by lenders.
Step 1 of 3
What's your primary goal?
Takes less than 60 seconds. No obligation to proceed.
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