01·LMI
Waived
LMI waiver for professionals
Doctors, dentists, lawyers, accountants, and pharmacists can bypass LMI, saving tens of thousands upfront.
Learn more
Strategic professional
lending, Melbourne.
As a high-income professional, your career stability is one of your greatest financial assets. In 2026, lenders recognise the essential nature of your work with exclusive mortgage packages that standard borrowers simply cannot access.
- LMI waivers for eligible professionals
- Exclusive professional rate discounts
- 100% income recognition for overtime & allowances
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 Professionals Trust Us
Award-winning, and
always on your side.
[ 01 ]
Hall of Fame
Bankwest Broker Awards · 2026
[ 03 ]
LMI waiver specialists
For all eligible professionals
[ 04 ]
20+
Years experience
Professional lending in Melbourne
[ 05 ]
$0
No cost to you
We are paid by lenders, not by you
Analysis
Does this
sound familiar?
Standard banks aren't recognising your full professional income including overtime, shift penalties, and allowances.
LMI costs are eating into your deposit when you could qualify for a full waiver based on your professional status.
Generic loan products aren't suited to your professional career stage from graduate to partner or specialist.
[ 01 ] Your career advantage
Your career is
your greatest asset.
As a healthcare, legal, or finance professional, your career stability is one of your greatest financial assets. In 2026, lenders recognise the essential nature of your work with exclusive packages. At Cutter & Co, we specialise in medical sector finance, legal professional lending, and accounting packages ensuring you bypass unnecessary costs like LMI and secure the lowest available market rates.
Chantal Cutter
Founder & Strategic Director
Why Choose Us
Here's how
Cutter & Co helps.
Specialised lending across all professional sectors from medical to legal to finance.
[ 01 ]
LMI waiver specialists.
We access exclusive professional and medical lending packages that allow eligible borrowers to bypass Lenders Mortgage Insurance, saving tens of thousands in upfront costs.
[ 02 ]
Specialised professional rates.
Access 'Professional Package' interest rates typically discounted well below standard variable offerings, recognising your low-risk profile.
[ 03 ]
100% income recognition.
Most banks shade medical overtime to 80%. We use lenders that assess 100% of your shift penalties and overtime, significantly boosting your borrowing power.
[ 02 ] Strategic reasons
Four reasons to choose
our professional lending.
From LMI waivers to 100% income recognition, we unlock the lending advantages your career deserves.
02·Rates
Low
Professional rate discounts
Access 'Professional Package' rates typically discounted well below standard variable offerings.
Learn more
03·Income
100%
100% income recognition
We use lenders that assess 100% of your overtime, shift penalties, and allowances to maximise borrowing power.
Learn more
04·Commercial
Comm
Commercial & practice finance
Access 100% finance for practice acquisitions, fit-outs, and commercial premises across all professional sectors.
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 professional career,
backed by an award-winning team.
“Whether you're a doctor, lawyer, accountant, or pharmacist we understand your professional value and secure the Gold Standard rates your career warrants.”
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 lending.
“Chantal and her team were professional, friendly, and incredibly helpful in securing our professional home loan. Their expertise in LMI waivers and rate negotiation 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. We would highly recommend Cutter & Co to any 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 professionals
actually ask.
Short, honest answers to help you secure the best professional 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 Career AdvantageReady for the best
professional home loan?
Tell us about your goals. We'll come back at our earliest with a tailored professional lending strategy Melbourne-only.
- Your data is secure never shared or sold.
- 20+ years helping Melbourne 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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