Exclusive Doctor Home Loans. Skip LMI & Save Up to $30,000.
Chantal Cutter spent 20 years inside ANZ, NAB, and St. George. Now she uses that insider knowledge to get doctors access to 95% LVR loans, zero LMI, and rates your bank will never offer you directly.
Skip LMI Entirely: As a doctor, you qualify to waive Lenders Mortgage Insurance and save up to $30,000 on your purchase.
Borrow Up to 95% LVR: Access high loan-to-value lending with no LMI - a privilege reserved for AHPRA-registered doctors.
Unadvertised Medico Rates: We bypass retail channels to negotiate exclusive, heavily discounted rates directly with 40+ major lenders.
Check My Borrowing Power
Trusted by Medico Professionals
Proven Results That Speak for Themselves
Lending Secured Australia-Wide
Award-Winning Broker
Lenders & Private Banking Channels Compared
Medical Professionals Helped
Accredited Across 40+ Leading Lenders
Tailored Home Loan Solutions for Doctors
Getting Your Doctor Home Loan Is This Simple
Step 3
You Get the Keys
We coordinate everything through to settlement so there are no surprises on the day. You receive the confirmation, collect your keys, and move into the home you've worked hard to afford. That feeling of crossing the threshold knowing you didn't leave money on the table? That's what we're here for.
5 Star Rated
by Australian Doctors
What Our Doctor Clients Say
Chantal and her team worked tirelessly to find the right loan for our needs, and they were very helpful in managing the entire application process. They communicated with me at every stage. We would highly recommend Cutter & Co to anyone looking for a reliable and professional business.
ND
Nat & Damien B
Verified Client
Had a terrific experience with Chantal Cutter and her team. They worked with my accountant to tailor the right loan for my circumstances, managed the application, communicated every step, and patiently answered numerous questions for my first home loan. I was able to complete the process from initial enquiry to taking the keys in less than two months. Couldn't recommend Cutter & Co more.
KP
Kim P
Verified Client
I had a great experience working with Chantal and her team at Cutter & Co. They were professional, friendly, and incredibly helpful in finding the right loan for my next purchase. Their guidance and communication throughout the process were excellent. I highly recommend Cutter & Co.
LJ
Laura & Joey S
Verified Client
I must say, my experience with Chantal and her team at Cutter & Co was truly outstanding. Their professionalism and attention to detail were truly remarkable. From the moment I made my initial enquiry they worked diligently to find a loan that met our needs, and their communication was exemplary.
MD
Measha & Dean A
Verified Client
We have had the pleasure of working with Chantal and her team. 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.
JC
Jean C
Verified Client
I was referred to Chantal and from the get go Chantal was professional, friendly, and dedicated to finding the right loan. Their communication was excellent, and they answered all of my questions. I have already recommended them to friends and recommend them to anyone seeking an honest reliable business.
JA
John Aho
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
I spent the first decade of my career on the inside at St George, ANZ, Bank of Melbourne, and NAB. I know exactly how lenders assess doctor loan applications, which medico policies exist, and which credit teams will go to bat for your file. At Bank of Melbourne, I became the number one branch lender. Now I use everything I learned in those rooms to work for you, not the bank.
Since founding Cutter & Co in 2014, I've helped hundreds of doctors secure the right loan at the right rate. My focus is specific: as a doctor, you've earned borrowing privileges most Australians will never qualify for, and my job is to make sure you access every one of them. I'll manage your file from first session through to settlement, Australia-wide."
20+ Years Banking Experience: Senior roles at St George, ANZ, Bank of Melbourne, and NAB before launching my own brokerage.
Multi Award-Winning Broker: Recognised for outstanding results and client service excellence across the industry.
MFAA Member, 40+ Lenders: Full panel access across 40+ lenders, fully qualified credit adviser with Cert IV and Diploma of Finance and Mortgage Broking Management.
Frequently Asked Questions
Everything you need to know about getting a doctor home loan.
Do I qualify for an LMI waiver as a doctor?
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 doctor 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.
