01·LMI
Waived
Full LMI waiver
Save significantly on upfront costs. Eligible practitioners can borrow a higher percentage without paying any Lenders Mortgage Insurance.
Learn more
Strategic doctor
home loans, Melbourne.
Melbourne's medical professionals including doctors, physicians, and dentists are eligible for exclusive specialty medical loans designed specifically for the healthcare sector. These products reward your professional status with lower interest rates and significant upfront savings.
- Full LMI waiver for eligible practitioners
- Exclusive 'Doctors Only' interest rates
- 100% finance for commercial suites
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 ]
Full LMI waiver
For eligible medical practitioners
[ 04 ]
20+
Years experience
Medico lending in Melbourne
[ 05 ]
$0
No cost to you
We are paid by lenders, not by you
Analysis
Does this
sound familiar?
You have significant HECS/HELP debt and worry it's limiting your borrowing power with standard lenders.
You know you qualify for exclusive medico rates and LMI waivers but your current bank isn't offering them.
Your income includes overtime, shift allowances, and salary packaging but banks only recognise a fraction of it.
[ 01 ] Your medico strategy
Secure your
future today.
Melbourne's medical professionals are eligible for exclusive specialty loans that reward your professional status with lower interest rates and significant upfront savings. Lenders view medical professionals as ‘low risk,’ which allows you to secure larger loan amounts, access exclusive rate discounts, and bypass standard insurance costs that other borrowers cannot avoid.
Chantal Cutter
Founder & Strategic Director
Why Choose Us
Here's how
Cutter & Co helps.
Specialised medico lending that recognises your true earning potential and professional standing.
[ 01 ]
Full LMI waiver saves you thousands.
Eligible practitioners can borrow a higher percentage of the property value without paying any Lenders Mortgage Insurance, saving significantly on upfront costs.
[ 02 ]
Exclusive 'Doctors Only' rates.
Access interest rates often positioned below standard variable market offerings, recognising your low-risk professional profile.
[ 03 ]
Flexible income assessment.
We work with lenders who recognise a higher percentage of your overtime, shift allowances, and salary packaging to maximise your borrowing power.
[ 02 ] Medico lending strategy
Four reasons to choose
our medico lending.
From LMI waivers to flexible income assessment, we unlock the lending advantages your career deserves.
02·Rates
Low
Exclusive rate discounts
Access 'Doctors Only' rates often positioned below standard variable market offerings.
Learn more
03·Commercial
100%
100% commercial suite finance
Transition from renting to owning your practice with specialised commercial loans for consulting rooms.
Learn more
04·Income
Flex
Flexible income assessment
We work with lenders who recognise a higher percentage of your overtime, shift allowances, and salary packaging.
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 ] Your strategist
Your doctor home loan journey,
backed by an award-winning team.
“From your first internship to your private practice, we are your partners in wealth creation. We understand the unique financial journey of doctors.”
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 home loans.
“Chantal and her team were professional, friendly, and incredibly helpful in securing our doctor home loan. Their expertise in medico lending and LMI waivers was invaluable.”
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 structure for our needs as medical professionals. We would highly recommend Cutter & Co.”
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 Melbourne
doctors
actually ask.
Short, honest answers to help you secure the best doctor home loan.
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.
Secure Your FutureReady for the best
doctor home loan?
Tell us about your goals. We'll come back at our earliest with a tailored medico lending strategy Melbourne-only.
- Your data is secure never shared or sold.
- 20+ years helping Melbourne doctors.
- No cost to you. We're paid by lenders.
Step 1 of 3
What's your lending goal?
Takes less than 60 seconds. No obligation to proceed.
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