Medical Home Loan Specialists. HECS Debt, Locum Income, or Complex Billing? We Unlock Deals Your Bank Won't Offer.
Your bank's calculator doesn't understand medical income. HECS debt, locum shifts, private billing - it penalises all of it, and it's costing you borrowing power. With 20+ years inside ANZ, NAB, St. George and Bank of Melbourne, Chantal knows exactly how to present your full income correctly, and unlock exclusive medical-only deals.
Zero LMI, Up to 95% LVR: AHPRA-registered doctors can waive Lenders Mortgage Insurance entirely and borrow up to 95% of the property value. That's tens of thousands saved before you even get to the rate.
Rates and Structures Your Bank Will Never Show You: Through 40+ lenders and private banking channels, we have exclusive access to medico-only deals.
You Focus on Your Patients. We Handle Everything Else: From lender matching to settlement, Chantal manages the entire process so you're never chasing banks or drowning in paperwork.
Book Your Free 15-Minute Medico Strategy Session
Trusted by Medico Professionals
Proven Results That Speak for Themselves
Lending Secured Australia-Wide
Multi Award-Winning Broker
Years Ex-Banker Experience
Medical Professionals Helped
Accredited Across 40+ Leading Lenders
Tailored Home Loan Solutions for Medical Professionals
Getting Your Medico Home Loan Is This Simple
Step 3
Pre-Approval, Then Settlement
Walk away with a solid pre-approval and complete clarity on your position. From there, Chantal manages every step through to settlement - no surprises, no chasing banks, no paperwork on your end. Just the outcome you've earned.
5 Star Rated
by our Medical Professionals
What Our Medical Professional Clients Say
Kate and the team have been a godsend in assisting me with refinancing on a tight timeline after I had had a very negative experience with another broker. The team are responsive, efficient, professional and have very good processes in place including cross team coverage for leave so that timely advice is always available. I can confidently recommend Cutter & Co, particularly to medical professionals seeking a broker with a deep understanding of lender policy nuances for tertiary-qualified professionals, complex income structures, and the strategic positioning required to secure favourable terms.
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Emily Moriarty
Verified Client
I have been using Chantal and her team for over 9 years now - she's never failed me. She is all across the latest and best products out there that suit my specific needs (even the medico ones!). The team always go above and beyond to look after all our finance needs from commercial to residential - would (and have) recommend to anyone in a heartbeat.
AS
Dr Aba (Abanob Saeed)
Verified Client
An excellent, well informed and supportive mortgage brokering company. Their communication, advocacy on my behalf and information was excellent and has allowed me to purchase a property I am very happy with, with little stress or hassle and the best available rates. Would recommend to anyone looking for a mortgage broker, especially those working in health care as I was able to access additional benefits as a pharmacist that I was previously unaware of.
ZR
Zoe Rose
Verified Client
Chantal and the team at Cutter and Co Financial Services have been wonderful to deal with over the past 9 years. In our first dealing with Chantal she went over and above our expectations as she changed our lending structure and saved our family in excess of a huge $90,000 per annum!! We were ecstatic and could not have felt more comfortable with all our financial decisions without her expert guidance. We would highly recommend Chantal and her company for all our lending needs. We have sent friends and family her way and they too have been amazed by what she has saved them financially.
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Kerrie Hogan
Verified Client
I've been working with Cutter & Co for the past 7-8 years, and the experience has been consistently excellent. Over that time, they've helped me secure half a dozen loans across both my business, owner-occupied property and investment properties, and each process has been smooth and well-managed. What stands out most is their reliability and long-term approach. They take the time to understand my financial goals and always present options that are well-suited to my situation, rather than pushing a one-size-fits-all solution. I'd highly recommend them to anyone looking for a trustworthy and experienced broker, whether it's for a first home or building a property portfolio.
DS
Deshbir Singh
Verified Client
From the very beginning, everything felt genuinely tailored to us. Chantal explained each step clearly, her communication was always one step ahead, and what could have been stressful felt seamless throughout. Couldn't recommend more highly.
DF
Danielle Frazzetto
Verified Client
Chantal and her team are the best in the business, they go above and beyond to get loans sorted for their clients so quickly, very happy to be a client of Chantal's since 2014.
SW
Shannon W
Verified Client
Meet Chantal Cutter
Most brokers send doctor applications to the same two or three lenders they always use. I know which of 40+ lenders have changed their medico policies in the last 90 days, which credit teams will fight for a locum income structure, and which ones will quietly discount your HECS impact before a single form is submitted.
That's not intuition. It's 20 years of being inside the rooms where those decisions were made at St George, ANZ, Bank of Melbourne, and NAB. I became the number one branch lender at Bank of Melbourne not by following the standard process, but by knowing exactly where the policy edges were and how to use them.
Since founding Cutter & Co in 2014, I've helped 500+ medical professionals - doctors, registrars, dentists, and specialists - access the rates, LVR, and income structures their banks were never going to offer them. I manage every file personally from strategy session through to settlement, anywhere in Australia.
#1 Lender at Bank of Melbourne: I was approving applications from the other side of the table. I know how credit assessors think - and exactly how to present your file to get the outcome you've earned.
500+ Medical Professionals Helped: Doctors, registrars, dentists and specialists across Australia since 2014. Complex incomes, large portfolios, and first purchases - done.
40+ Lenders, Actively Monitored: I track medico policy changes across the full panel in real time. When a lender shifts their HECS calculator or opens a new LMI waiver window, you'll know before the branch does.
Frequently Asked Questions
Everything you need to know about getting a medical professional home loan.
Do I qualify for an LMI waiver as a medical professional?
Yes. LMI waivers are available to AHPRA-registered doctors including GPs, specialists, surgeons, anaesthetists, dentists, and oral surgeons. The specific policies, income thresholds, and lender requirements vary by lender, which is why working with a doctor loan specialist matters. In your free strategy session, we'll confirm exactly what you qualify for before you proceed.
My income is complex, with HECS debt, private billing, and locum shifts. Can you still help?
Absolutely. This is one of the most common situations we handle for doctors. Standard bank assessors don't know how to treat locum income, private billing structures, or HECS repayments when calculating your true serviceability. We work exclusively with lenders who understand doctor income structures and assess your full capacity rather than applying a generic template. Your income structure is not a barrier. It just requires the right lender.
I'm based interstate, not in Melbourne. Can you work with me?
Yes. Cutter & Co works with doctors across Australia. We operate remotely and handle every part of the process digitally and by phone, from your initial strategy session through to settlement. Your location doesn't affect your access to doctor-exclusive loan policies or our ability to manage your application.
How is working with a medical loan specialist different from going to my bank?
When you go to your bank, they can only offer their own products and policies. A specialist broker with access to 40+ lenders finds you the most competitive rate, the right LMI waiver policy, and the lender most suited to your income structure. Critically, a medico-specialist broker knows which lenders currently offer the sharpest rates and most favourable assessment criteria for AHPRA-registered professionals. The difference in outcomes can easily be worth tens of thousands of dollars.
How long does the process take from enquiry to approval?
For most doctors with standard documentation, conditional approval can come through within a few business days of lodgement. From your initial strategy session through to formal approval, the typical timeline is two to four weeks. One of our clients went from first enquiry to collecting the keys in under two months.
