As experts in finance for doctors, we understand your unique income structure and lending requirements. We leverage our strong relationships with lenders to secure highly competitive solutions, from home loans to practice acquisition financing, ensuring the best possible terms for your goals

Many lenders offer doctors special lending terms, allowing you to borrow up to 95% of the property value without paying Lender’s Mortgage Insurance (LMI). This means you may need a lower deposit compared to standard borrowers. We can assess your eligibility and help secure the best possible loan structure.

Yes, refinancing allows you to change your existing mortgage to take advantage of better interest rates, reduce repayments, or access your home equity for other purposes (such as renovations or debt consolidation). It’s important to weigh the refinancing costs against potential savings. If interest rates have dropped since you first took out your loan, or if your property has increased in value, refinancing could lead to significant savings in the long run.

Interest rates directly affect both your monthly repayment and the overall cost of your loan. A higher interest rate means higher monthly repayments and more paid in interest over the life of the loan. Conversely, a lower interest rate means lower monthly repayments and less paid in interest overall. Even small changes in the rate can have a big impact, so it’s important to shop around for the best deal and consider locking in a rate if you think interest rates will rise.

Beyond the mortgage, expect additional costs like stamp duty, home insurance, and utility bills. You’ll also need to factor in council rates, maintenance fees, and any strata fees if applicable. Additionally, be aware of loan fees such as application and valuation costs.