Expertise
15+ Years Aligned with Medical Lending exceptions
Phil spent his early career as a senior lender at Westpac across residential, investment and commercial banking before joining Model Mortgages full-time in 2010. He coordinates balance sheet presentation manually for registrars, specialists, and practice directors. By bypassing automated scoring matrices and presenting clear compliance-aware structures directly to specialized bank underwriters, he ensures your professional credentials receive the credit exceptions they deserve.
His core specialization covers practice acquisition debt, goodwill valuations, clinic fit-outs, and structuring complex residential or investment packages utilizing discretionary trusts and corporate trustees.