Start your Medical Finance Check

What a Finance Check actually is

A Finance Check is a review of your position before any formal application reaches a lender. It is general information, not a credit assessment or an approval — its job is to show you where you stand, which lenders are likely to read your income the way you need, and what to prepare so your eventual application goes in clean. For medical professionals that early read matters, because the difference between lenders is rarely the rate; it is whether their policy recognises how you are actually paid.

Two doctors with identical income can get very different answers depending on which lender sees the file first. A Finance Check is where we work that out on paper, before a credit enquiry is ever recorded against your name.

What we look at

We consider your scenario across the same five pillars a lender's credit team will, so there are fewer surprises later:

• Income and serviceability — how your base, on-call, private billings, locum, trust or company distributions may be assessed, and which lenders tend to read each income type most generously.
• Expenses and commitments — existing debts, HELP/HECS, card limits and living costs that influence borrowing capacity.
• Assets and equity — deposit, existing property, and how your position maps to LMI-waiver thresholds that some lenders extend to eligible medical professionals.
• Security and structure — the property or asset involved, and whether a personal, trust or company structure may suit your plans.
• Borrower profile and policy sensitivity — your profession, AHPRA registration tier and career stage, which together affect which professional policies a lender may apply.

What happens after you submit

A specialist broker reviews your details and contacts you to talk through your options — general guidance first, then specific to your situation once we understand it. There is no cost, and we will not lodge anything with a lender or record a credit enquiry without your say-so. If your scenario is straightforward we will tell you; if it needs structuring, we will explain the options and what each lender is likely to require.

General information only. This page and the Finance Check do 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.