01·LMI
Waived
Waived LMI for medicos
Eligible doctors, dentists, and specialists can save tens of thousands in Lenders Mortgage Insurance, even with a small 5% deposit.
Learn more
Strategic medical
& healthcare finance.
As specialised medical finance strategists in Melbourne, Cutter & Co understands that healthcare professionals face unique financial journeys. Whether you are a junior doctor purchasing your first home or a specialist fitting out a multi-million dollar imaging suite, we provide the expert scaffolding for your growth.
- 100% finance for equipment & fit-outs
- Waived LMI for eligible medical professionals
- Practice purchase & goodwill funding
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 Medical Professionals Trust Us
Award-winning, and
always on your side.
[ 01 ]
Hall of Fame
Bankwest Broker Awards · 2026
[ 03 ]
LMI waiver specialists
For eligible medical professionals
[ 04 ]
100%
Equipment finance
Zero upfront deposit options
[ 05 ]
$0
No cost to you
We are paid by lenders, not by you
Analysis
Does this
sound familiar?
You need high-value medical equipment but don't want to deplete your practice's working capital upfront.
You're buying into or establishing a practice and need funding that covers both tangible assets and goodwill.
You're paying rent on consulting rooms when you could be building equity through commercial suite ownership.
[ 01 ] Powering patient care
Finance that
powers better care.
Whether you are a junior doctor purchasing your first home or a specialist fitting out a multi-million dollar imaging suite, we provide the expert scaffolding for your growth. Our 2026 eligibility matrix covers doctors, dentists, allied health professionals, registered nurses, midwives, and pharmacists. We understand your unique career trajectory and tailor finance accordingly.
Chantal Cutter
Founder & Strategic Director
How We Help
Here's how
Cutter & Co helps.
Specialised medical finance from equipment to practice ownership, tailored to your career stage.
[ 01 ]
100% finance for equipment & fit-outs.
Secure up to 100% of the cost for diagnostic tools, dental chairs, and surgical suites with zero upfront deposit, preserving your practice's working capital.
[ 02 ]
Direct commercial suite ownership.
Borrow up to 100% for consulting rooms through specialised commercial loans, allowing you to build equity instead of paying rent.
[ 03 ]
Practice purchase & goodwill funding.
We facilitate loans that cover both the tangible assets and the intangible goodwill of a medical practice acquisition.
[ 02 ] Strategic reasons
Four reasons to trust
our medical finance team.
From LMI waivers to 100% equipment finance, we engineer medical funding that works as hard as you do.
02·Rates
Low
Specialised medico rates
Access preferential rates due to your low-risk professional profile, often well below standard variable offerings.
Learn more
03·Equipment
100%
100% equipment finance
Secure up to 100% of the cost for diagnostic tools, dental chairs, and surgical suites with zero upfront deposit.
Learn more
04·Lending
Direct
Relationship-driven lending
Skip the generic bank queues. We bridge you directly to specialist healthcare bankers at the Big 4 and boutique medico lenders.
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 medical finance journey,
backed by an award-winning team.
“From your first internship to your final practice expansion, we are your partners in wealth creation. We understand the unique financial journey of healthcare professionals.”
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 medical finance.
“Chantal and her team were professional, friendly, and incredibly helpful in securing our medical equipment finance. Their understanding of healthcare lending 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 practice acquisition funding for us. We would highly recommend Cutter & Co to any medical professional.”
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 medical
professionals
actually ask.
Short, honest answers to help you fund your practice with confidence.
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.
Power Better Patient CareReady to grow
your practice?
Tell us about your medical finance needs. We'll come back at our earliest with a tailored strategy Melbourne-only.
- 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 do you need funding for?
Takes less than 60 seconds. No obligation to proceed.
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