Doctor Home Loan Specialists. Access Exclusive Lending Privileges Most Brokers Don't Even Know Exist.
Most doctors walk away with less than they qualified for. Not because the lender said no because their broker didn't know the right questions to ask. Our team spent 20 years inside ANZ, NAB, St George and Bank of Melbourne learning exactly those questions. $500M+ secured for 500+ doctors Australia-wide.
Doctor-Only Lending Advantages, Properly Unlocked: Your AHPRA registration qualifies you for lending terms most Australians will never access. We know which lenders value doctors properly and make sure your application gets all of it, not just the standard offer shown online.
Your Medical Income, Assessed the Right Way: Locum shifts, private billing, HECS debt, salary packaging medical income is complex. We work with lenders who understand how doctors actually earn and structure your application to reflect your real borrowing capacity.
Private Banking Access 40+ Lenders: Through our lender relationships and private banking channels, we negotiate doctor-specific rates and flexible policies that are rarely advertised publicly. You won't find these at a branch counter.
Check Your Medico
Borrowing Capacity
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 To Compare 40+ Leading Lenders
5 Star Rated
by our Medical Professionals
What Our Medical Professional Clients Say
Chantal 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 and Co, particularly to medical professionals seeking the best mortgage for doctors, with a deep understanding of lender policy nuances for tertiary-qualified professionals, complex income structures, and the strategic positioning required to secure favourable terms.
EM
Emily Moriarty
Verified Client
I have been using Chantal and her team for over 9 years now and she's never failed me. She is all across the latest and best mortgage for doctors 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
We had an excellent experience working with Chantal Cutter and her team, especially Ivana, while organising finance for our investment property. The advice was practical, and tailored to my situation, including navigating the hecs home loan side of things. Chantal structured the loan to suit our strategy. The team was proactive in keeping things moving smoothly from pre-approval through to settlement. Would highly recommend Chantal Cutter and her team to anyone looking for advice and seamless mortgage organisation.
KK
Dr Krishna Karpe
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, including our hecs home loan setup, 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.
KH
Kerrie Hogan
Verified Client
I've been working with Cutter and 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, including home loan complexities, 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, including navigating home loan complexities that come with medical careers. Very happy to be a client of Chantal's since 2014.
SW
Shannon W
Verified Client
Tailored Home Loan Solutions for Medical Professionals
Meet Chantal Cutter
As a dedicated doctor mortgage broker, 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 access the rates and income structures their banks were never going to offer them, whether that's a doctor house loan, an investment purchase, or specialised home loans for medical professionals with complex income.
#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+ Home Loans for Medical Doctors and Specialists Settled: 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.
Getting Your Doctor Home Loan Is This Simple
Step 3
Pre-Approval, Then Settlement
Walk away with a solid pre-approval on your doctor house loan 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.
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.
