01·LMI
95%
LMI waiver up to 95% LVR
Save tens of thousands on upfront costs. Eligible medical professionals can borrow up to 95% without paying any Lenders Mortgage Insurance.
Learn more
Strategic medical
professional home loans: your career advantage.
Your career stability is a financial asset. Medical professionals unlock exclusive mortgage packages that standard borrowers simply cannot access, turning your professional standing into real lending power.
- LMI waiver up to 95% LVR
- 100% assessment of overtime & penalties
- 100% practice & equipment finance
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 to 95%
For eligible medical professionals
[ 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?
Banks are shading your overtime to 80%, slashing tens of thousands from your true borrowing power.
Minimum income thresholds are blocking your application even though your career earnings are well above average.
The lumpy cashflow of private practice isn't understood by standard lenders, making approvals unnecessarily difficult.
[ 01 ] Your career advantage
Your career
advantage in 2026.
In 2026 lenders recognise the essential nature of healthcare work with exclusive packages designed specifically for medical professionals. Your professional standing unlocks LMI waivers, specialised medico rates, and 100% practice and equipment finance that standard borrowers simply cannot access.
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 ]
LMI waiver up to 95% LVR.
Eligible medical professionals can borrow up to 95% of the property value without paying any Lenders Mortgage Insurance, saving tens of thousands on upfront costs.
[ 02 ]
Specialised medico rates.
Access professional package rates designed exclusively for healthcare workers, often positioned well below standard variable market offerings.
[ 03 ]
100% practice & equipment finance.
From consulting rooms to diagnostic equipment, we source $0 deposit finance so you can invest in your practice without depleting personal savings.
[ 02 ] Medico lending strategy
Four reasons to choose
our medico financing.
From LMI waivers to salary packaging integration, we unlock the lending advantages your medical career deserves.
02·Income
100%
100% overtime assessment
Unlike standard lenders who shade overtime to 80%, we match you with lenders who assess 100% of your overtime and penalty rates.
Learn more
03·Equipment
$0
$0 deposit equipment finance
Finance diagnostic equipment, fit-outs, and practice technology with zero deposit required, preserving your capital for other investments.
Learn more
04·Packaging
Flex
Salary packaging integration
We structure your lending to maximise salary packaging benefits, ensuring your home loan and practice finance work together tax-effectively.
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 medico financing journey,
backed by an award-winning team.
“Whether you're an intern buying your first home or a specialist acquiring a practice, we structure your entire financial portfolio to work together strategically.”
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 financing.
“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 medical
professionals
actually ask.
Short, honest answers to help you secure the best medico financing.
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 strategic
medico financing?
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 medical professionals.
- 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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