Speak with a credit and debt-structuring specialist

When to get in touch

Most people reach out at one of a few moments: a first home purchase on a medical income, an upcoming investment property, buying into or out of a practice, fitting out clinic rooms, financing equipment, or refinancing a structure that no longer fits. The earlier in that process we talk, the more room there is to set the structure up properly — particularly where private billings, locum work, trust distributions or early-career registrar income are involved and a standard payslip read does not tell the full story.

There is no cost to an initial conversation. It is general guidance first, and specific to you once we understand your situation.

What helps us help you faster

You do not need to prepare anything to make contact, but if you have these to hand the first conversation tends to move more quickly:

• Your profession and AHPRA registration type
• How you are paid — PAYG, private billing, contractor, locum, or a mix
• What you are trying to do, and a rough timeline
• Any existing loans, card limits or HELP/HECS commitments
• An approximate deposit or available equity, if a purchase is involved

Who we work with

We support doctors, specialists, dentists, GPs, registrars, veterinarians, pharmacists and a range of allied health professionals across Australia. As a specialist division of Model Mortgages Pty Ltd, we operate under Australian Credit Licence 387460 and are based in Queensland, working with clients nationwide. Many of our clients come through referrals from accountants, colleagues and existing borrowers — if someone pointed you here, you are in the right place.

General information only. This page does not constitute personal financial advice or a credit assessment. Every borrower's situation is different. Lending criteria, terms, fees and charges apply; any approval is subject to the lender's assessment. Speak with a qualified mortgage broker before making lending decisions.