01·LMI
0%
LMI on 90% LVR
Eligible professionals skip LMI on higher borrowings.
Learn more
Professional
loans, for Melbourne.
Qualifying industries include Accountants, Actuaries/Auditors, CFOs, Finance Managers, and Legal Professionals. We unlock the professional packages generalist brokers can't.
In most cases you simply need to be able to supply your current Practising Certificate or evidence that one of the conditions of your employment is that you are prohibited to hold a Practicing Certificate along with minimum income levels required.
- Exclusive LMI waivers on up to 90% LVR
- Negotiated rate discounts
- Tailored professional packages
Pre-approval response in 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 Professionals Trust Us
Award-winning, and
always on your side.
[ 01 ]
Hall of Fame
Bankwest Broker Awards · 2026
[ 03 ]
Your data is secure
Never shared or sold to third parties
[ 04 ]
20+
Years helping
Melbourne professionals
Analysis
Does this
sound familiar?
You may not be aware that your profession can come with lending advantages that help you build wealth more efficiently, potentially accelerating your pathway from first home buyer to property investor much sooner than expected.
Your income structure, including partner distributions or ABN earnings, often requires a more specialist approach, as it isn’t always fully understood or correctly assessed by generalist brokers.
Whether you are structuring loans individually, through a trust, or under a company umbrella, navigating the right lending entity requires specialized expertise to ensure tax efficiency and long-term flexibility.
[ 01 ] Personalised lending
Lending that
matches your status.
In 2026, the Australian lending landscape continues to favor legal and accounting professionals. As a lawyer, barrister, judge, accountant, auditor, or CFO, you're recognised as a low-risk, high-value borrower and we unlock the packages generalists can't.
Chantal Cutter
Founder & Strategic Director
How We Help
Here's how
Cutter & Co helps.
Four core principles that shape how we guide your financial journey and secure the right solutions.
[ 01 ]
Your time & money comes first
We’re a client-first firm where people matter more than numbers. We guide you with clarity and confidence so you can make informed decisions in any market, allowing you to move forward with certainty at every stage of your journey.
[ 02 ]
Market-leading expertise
With decades of credit-backed banking experience, we keep you ahead of the curve. We stay on top of policy changes to guide you through best-practice lending strategies, providing clear, straightforward education behind every recommendation.
[ 03 ]
Best Interest Duty: Putting clients first, always
We work for you, not the banks. Founded over 12 years ago to offer more than a single bank's products, we take Best Interests Duty seriously. Every recommendation we make is centered entirely on your needs to support your long-term financial freedom.
[ 04 ]
Ongoing Management
We update our clients on all relevant milestones for their loans, and we consistently review and renegotiate their rates through our specialist review team.
[ 02 ] Strategic options
Four main benefits.
We blend LMI waivers, rate discounts, and package features that are only available to qualifying professionals.
02·Discount
0.5%+
Rate discounts
Negotiated off standard professional package rates.
Learn more
03·Coverage
All Roles
Barrister to CFO
Solicitors, barristers, judges, accountants, auditors, actuaries, CFOs, partners.
Learn more
04·Lending
Residential
Residential finance
Our firm navigates the complex lending process, in particular for partner and self-employed clients.
Learn more
[ 03 ] Roadmap
Your roadmap to
professional finance.
Six deliberate steps engineered around the way legal and accounting professionals actually earn and work.
- 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
Professional 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 profession, 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 professional journey,
backed by an award-winning team.
“Lawyers and accountants aren't like every other borrower. The right package can save them more than they bill in a month.”
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 professional home loans.
“Chantal and her team were professional, friendly, and incredibly helpful in finding the right professional package for us. 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 secure an LMI waiver on our 90% lend. 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 legal &
accounting pros
actually ask.
Short, honest answers. Bookmark this page it updates as lender policies shift.
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 Professional Loan ConsultationReady to claim the
mortgage your status deserves?
Tell us where you're at. We'll come back at our earliest with a shortlist of LMI waivers, discounted rates, and tailored packages Melbourne professionals only.
- Your data is secure never shared or sold.
- 20+ years helping Melbourne professionals.
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Which scenario fits you?
Takes less than 60 seconds. No obligation to proceed.
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