01·Waiver
95%
LMI Waiver - Lower Deposit
Eligible nurses and midwives can borrow up to 95% LVR with $0 Lenders Mortgage Insurance.
Learn more
Strategic nurse & midwife
home loans:
your professional advantage.
- Specialised healthcare mortgage packages
- Exclusive benefits not available to the general public
- Essential care providers deserve better lending
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 Melbourne Trusts Us
Award-winning, and
always on your side.
[ 01 ]
Hall of Fame
Bankwest Broker Awards · 2026
[ 03 ]
LMI waiver for nurses
Lower deposit pathways for healthcare professionals
[ 04 ]
20+
Years helping
Melbourne healthcare professionals
[ 05 ]
$0
No cost to you
We are paid by lenders, not by you
Analysis
Does this
sound familiar?
You're saving for a full deposit when an LMI waiver is available to nurses and midwives - you just haven't been told about it.
Banks are only recognising a fraction of your overtime and shift income, drastically reducing your borrowing power.
You're unsure how salary packaging benefits apply to your mortgage eligibility, and no one has explained it properly.
[ 01 ] Your professional advantage
Specialised
healthcare packages.
Whether you're a graduate nurse buying your first home or an experienced midwife expanding your property portfolio, Cutter & Co unlocks hidden benefits for nurses and midwives - exclusive LMI waivers, specialised interest rates, and full recognition of your shift-based income that generalist brokers simply can't access.
Chantal Cutter
Founder & Strategic Director
How We Help
Here's how
Cutter & Co helps.
Four things that change how a nurse or midwife home loan gets built, negotiated, and approved.
[ 01 ]
Exclusive LMI waivers for nurses & midwives.
Eligible nurses and midwives can borrow with a lower deposit and $0 Lenders Mortgage Insurance - saving thousands upfront.
[ 02 ]
Specialised medico interest rates.
Access healthcare-only rate discounts positioned below standard variable offerings, typically reserved for medical professionals.
[ 03 ]
Comprehensive income assessment.
We work with lenders who recognise 100% of your overtime, shift penalties, and allowances - maximising your borrowing power, not capping it.
[ 04 ]
Pre-approval for fast-moving deals.
The best opportunities move fast. We target pre-approval responses in 3-5 business days to keep you ahead of the market.
[ 02 ] Strategic options
Four ways in.
Pick the one that fits.
Every nursing career is different. We blend LMI waivers, discounted rates, and income optimisation so your professional status translates into real savings.
02·Rate
2%
Medico Rate Discounts
Healthcare-only interest rate reductions up to 2% below standard variable offers.
Learn more
03·Income
100%
100% Overtime Recognition
Lenders who assess 100% of your overtime, shift penalties, and allowances - not just base salary.
Learn more
04·Packaging
Max
Salary Packaging Optimisation
We leverage your salary packaging benefits to maximise mortgage eligibility and borrowing power.
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 nursing career,
backed by an award-winning team.
“From your first graduate rotation to your private practice goals, we are your partners in wealth creation. We understand the financial journey of nurses and midwives.”
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 nurse home loans.
“Chantal and her team were professional, friendly, and incredibly helpful in securing our nurse home loan. Their understanding of healthcare shift income 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 healthcare workers. 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 nurses
& midwives
actually ask.
Short, honest answers to help you secure the best nurse 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.
Your Professional AdvantageReady for the best
nurse home loan?
Tell us about your goals. We'll come back at our earliest with a tailored healthcare lending strategy Melbourne-only.
- Your data is secure never shared or sold.
- 20+ years helping Melbourne healthcare workers.
- 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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