Setting yourself up for success as a VMO

Get the most out of your VMO income with a free contract review

Are you a Visiting Medical Officer based in NSW, QLD or the ACT?

If the answer is yes, you may be missing out on valuable benefits and opportunities that could improve your financial position.

Visiting Medical Officer (VMO) contracts are complex and often confusing. They can vary depending on the hospital, the specialty, the level of experience, and the type of work. Many doctors sign them without fully understanding what they entail and the various avenues they can consider that could optimise their financial position.

Thanks to recent guidelines and exclusive intellectual property DPM has proactively and privately procured with the ATO, our consultants are in a unique position to provide specialist advice in this area.

If you’d like to find out more and understand whether DPM may be able to help you, complete the form for a free contract review and obligation-free consultation.

How does it work?

It’s simple. Just fill out the form and upload a copy of your current (or proposed) VMO contract or an outline of what this entails. One of our specialist tax consultants will review it and get back to you within two business days to discuss whether we can help.

From there, you can book an obligation-free initial consultation to discuss some potential recommendations that could help to improve your tax position and optimise your overall financial position.

We value your data

Your data security is our top priority and we treat your personal and sensitive information confidentially at all times. You can find out more about how we collect and protect your data here.

By submitting your details, you agree to receive further marketing communications from DPM. You can unsubscribe at anytime from within every communication you receive. For more information, visit our Privacy Policy.

Sign up for your free contract review

Why DPM?

DPM have been a trusted adviser to thousands of medical professionals across Australia for over 60 years. Our specialist tax consultants have helped many clients across various specialties improve their tax structuring, allowing them to get the most out of their VMO income.

Here’s what clients are saying about us:

DPM Financial Services

5.0

Danha has been incredibly patient and helpful as we navigate a construction loan process. She was available and responsive outside of business hours which was unexpected but very much appreciated, and excellent at communicating through the process.

Jess Atherton

22:09 23 Dec 25

I recently had to submit an insurance claim through DPM. After an initial very difficult start with another team member, and 3 months of stressful emails and calls to the insurer, Serena took over. Within 48 hours my claim was sorted and paid. Serena was empathetic, incredibly helpful and achieved a result where I had almost given up. She was absolutely amazing and I am so incredibly grateful for her help.This review is on behalf of my wife.

Adam White

01:40 23 Dec 25

From 2 medical professionals

ISABELLA HUNG

01:21 28 Nov 25

Can highly recommend insurance broker Tom Rogers! He's been incredible walking us through some tricky insurance requests and finding great options to protect us and our future, and worked with our chaotic work and life schedules to get things sorted

Nadia Bogatzke

09:45 26 Nov 25

I've had a great experience with Shane and team at DPM. They are always very helpful and responsive and caring.

Jarod Pak

05:07 21 Nov 25

Had a fantastic experience working with Naomi on the purchase of our first home. She was efficient, responsive, and incredibly thorough while still being friendly and easy to work with. We highly recommend DPM for both accounting services and mortgage brokering.

Jayden Jun Wern Yau

09:05 17 Nov 25

super duper easy, such an ease to work with, will go back again !

Charlie Traynor

00:55 13 Nov 25

Very knowledgeable and gave helpful advice, will definitely seek your services again in the future

Toby Latcham

09:19 10 Nov 25

We initially went through DPM for our accounting and tax needs, but later discovered they also have an in-house mortgage broker, Naomi. She has been incredibly diligent and professional throughout the entire process. Naomi helped us secure a mortgage perfectly suited to our needs, explaining everything clearly along the way.When settlement day came and our solicitor made an error, Naomi went above and beyond — she liaised directly with the bank and managed to get everything sorted just in time before settlement closed. We were so impressed by her responsiveness, attention to detail, and genuine care for her clients.Highly recommend DPM and especially Naomi for anyone looking for a reliable and dedicated mortgage broker!

Roy Kingsley Wong

22:43 04 Nov 25

I would like to share my appreciation for the exceptional service provided by Danha and Dino during our recent home purchase.Danha's work as our financial broker was outstanding. She understood our need and financial situation very well. The way she managed the homeloan process—getting us pre-approval results quickly and accurately in a short period—was invaluable. It gave us the confidence to bid decisively and ultimately secure a home at a great price.And a huge thank you to Dino my Accountant for his assistance in preparing all the necessary documentation. He has been looking after all my accounting matters thoroughly and wisely over the last 15 years. His help streamlined the process very well again.Thank you both for your dedicated and highly effective support.

Kwansik Moon

01:09 11 Oct 25

Julie Anderson at DPM has been my accountant for years now - and i couldn't be happier, or more satisfied with the professionalism, advice and care, she has shown me. And a big 'thank you' also to Danielle Davis, who has always been most helpful and efficient whenever i have any requests, or need help. Her courtesy and warmth are most greatly appreciated...

Cheryl Oon

08:03 06 Oct 25

Highly recommend. Dino, Naomi, and Mat have all been adaptive, responsive, and knowledgeable. The advantages of having different expertise all in-house is more than the sum of its parts. Thanks DPM.

Andrew Lang

06:07 03 Oct 25

The service from Naomi Li (mortgage broker) was excellent. Her communication was clear, timely and consistent throughout the entire process. She was always available and easy to reach, which gave me great peace of mind during my new house settlement period. Thanks to her professionalism, attention to detail and genuine care, my settlement went smoothly from start to finish. I wouldn’t hesitate to use her service through DPM again.

Sambridhi Adhikari

21:47 30 Sep 25

My partner and I cannot speak highly enough of Kimsor - he has been absolutely wonderful, incredibly responsive and reassuring, and is solely responsible for giving us the confidence we needed to secure our first home when we had uncertainty with the bank due to complexities with assessing salary as a medico. We reached out to Kimsor as a Hail Mary on an emergency basis with no prior contact right when we were losing hope to secure our pre-approval before the house we loved was due to sell, and it has been smooth sailing ever since with his clear explanations, receptiveness to our needs and aspirations, responsiveness and expertise in the area. What had begun as a very arduous and complex process with the bank was immediately simplified for us with Kimsor's help and we could not be more grateful for his time, compassion and diligence in assisting us with our purchase. Thank you, Kimsor!

Sof

00:56 30 Sep 25

Anthony and the DPM team are fantastic! They've been hugely influential and informative with our tax and wealth planning strategies. Their service and response times are amazing and they are a joy to work with. Always going the extra mile to ensure we are well taken care of! Highly recommend!

Jared Seminoff

00:52 07 Aug 25

Excellent communication and work, they helped me with home loans, insurances.

Aquiles Silva

00:16 06 Aug 25

We are new clients of Dino and Jamie on the recommendation of friends, having changed from another medical accounting firm. We have been so grateful to them and the team at DPM for absolutely wonderful service and care in our first year of being their clients. They have really stood out with all the expertise and attention to detail you would hope for, in addition to the kindness and excellence in communication skills that you didn’t know you needed from your accountants. We couldn’t recommend them any more highly.

Elizabeth Hogan

04:38 30 Jul 25

Both Naomi and Anthony are really knowledgeable and client focus.Anthony helped me a lot with my finance and tax refund. He’s also really responsive and informative.Naomi has also been a pleasure to work with to get our loan for our first home.Would definitely recommend DPM!

Nancy Fong

11:13 21 Jul 25

Excellent and personal advice tailored to our retirement needs. Key decisions were explained in a manner which was easily understood giving us confidence in our retirement management planning.

Stuart McLennan

08:41 15 Jun 25

I had the pleasure of having Naomi assist me with a home loan for as long as it took! Throughout a very stressful and unfamiliar process Naomi was present to walk me through all the steps required. We re-evaluated at any stage which bank would be more suitable for myself and she answered all my questions with skill and kindess. Many thanks to Naomi!

Georgia Ngo

04:56 12 May 25

Damien Port has provided consistent and valuable advice over many years. His advocacy for me has been extremely helpful. Thank you!

Candice Shields

04:51 29 Mar 25

I have been with DPM for a few years now and have had a really positive experience with Anthony, our accountant. Very knowledgable and always available to help with tax related enquiries. DPM have a vast network of high quality services that we have used as well. Tom our insurance broker was very professional and efficient. Overall great experience with DPM

Lee Jeffries

22:45 17 Mar 25

Prompt, professional and helpful assistance from Serena and Sonal on handling income insurance. Have been with DPM for ~5 years now.

Jeff Tang

04:48 11 Mar 25

I have been using DPM for several years now and have excellent experiences with all team members that I have interacted with. Eyal our lending consultant has been invaluable in my wife and I purchasing our last 2 properties, we even received positive feedback from the conveyancer and real estate agent in regard to promptness and responses. Sonal has always kept us up to date with our insurance to ensure we are adequately protected. And last, but not last, Anthony has been incredibly helpful as our accountant in aiding us with managing our taxes and finances as a whole as I moved from salaried position to a sole trader.

Tom Dilks

11:39 28 Dec 24

I highly recommend Tom Rogers for a comprehensive and streamlined income protection service.

Nicole Moon

09:08 17 Dec 24

Ted Elkington

21:56 13 Dec 24

I have been with DPM for over a decade.James Court is incredibly professional, knowledgeable and approachable and has been invaluable not only for the yearly tax return but he has also been available and quick to respond during the year as any issues or queries arise.We are very lucky to have had Kimsor Pan assist us with our recent mortgage. We found him both professional and approachable, committed to finding finance that suited our needs and quick to respond to all queries.I would highly recommend both of these professionals at DPM

Amy Greene

00:39 07 Dec 24

Marissa was able to assist me to obtain finance where numerous others had been unable to. She was polite, professional and highly organised. I’m very grateful to her for her work.

zeerust250

05:30 02 Dec 24

Kimsor helped us with purchasing our first home and we couldn’t be happier with the service and support! Very diligent, quick communication and very approachable. Highly recommend for and lending support!

Laura Horrigan

05:14 26 Nov 24

Naomi made the mortgage process so easy and stress free! The team at DPM were super helpful, answered all my questions, and found a great deal for me. Highly recommend their service!

Jeremy tse

12:10 25 Nov 24

Naomi has been amazing from day one! She’s been super helpful, always responsive, and really followed up closely on every step of the journey. She went above and beyond to help us get the best rate possible. We honestly couldn’t have done this without her support and guidance. Highly recommend Naomi to anyone looking for a reliable and helpful mortgage broker!

shershermyn

04:44 22 Nov 24

The team at DPM are super helpful and lovely to deal with.

Rob Mc (Me)

07:45 18 Nov 24

Kimsor from DPM was super easy to deal with and provided a very professional service.He answered all of our questions and kept us up to date of the loan application regularly. I would recommend him to anyone looking to organize a home loan.

Lewis Donoghue

02:11 18 Nov 24

DPM have been invaluable for my wife, and i, we've been with them for over a decade, and they've helped us with mortgages, tax-time, and wealth advice.James Court, William Ezzy​​​​, and Kimsor Pan have been instrumental in giving us the most informed options through a variety of life changes, from changing jobs, to changing address, and more.They have been professional, friendly, knowledgeable, and overall effective at serving our needs, and is why we recommend them to the people we care about when they need financial help.We couldn't be happier 🙂

cj juszczak

15:05 17 Nov 24

One of DPM's lending consultants Marissa Tzivakis​​​​ helped me find a loan recently. I'm so very grateful for the work she did. She listened, understood the challenges (and the stress), came up with some great options in lightning quick time, and followed me through until it was sorted out. I really can't recommend her highly enough - not to mention the work of financial advisor Michael Blood and his team who've been looking after me for more than 15 years, and turned up exactly when I needed them

G K

08:59 17 Nov 24

I had a great experience working with Danha as my lending consultant. Danha is approachable, thorough and quick to respond to any correspondence!

Samantha Leng

04:30 17 Nov 24

I highly recommend Danha she provided excellent service throughout the process. I engaged Danha on very short notice and was grateful that she was able to provide me with her services. She clearly articulated to me my options, explained the process and kept me updated. No question was any trouble and she was always happy to explain. My experience has been incredibly smooth and much less stressful thanks to Danha 🙂

Helena Chan

03:38 17 Nov 24

Honestly couldn’t speak more highly of Marissa at DPM, she made the process of obtaining finance for our new home easy and stress free

Duncan

01:29 15 Nov 24

If you’re looking for a crew of great humans to help you navigate the complexities of all matters finance and a team you can trust.. look no further. Christian is a top shelf gentleman and his knowledge and passion for his craft are unsurpassed. Wouldn’t go anywhere else 👌

Ted Bndr

01:21 15 Nov 24

My partner and I are both medical practitioners and have been customers of DPM for 10 years now. We have used the financial services section on 2 occasions and found their communication to be prompt and clear, financial advice sound (maybe on the conservative side, but this could be considered a positive), and ultimately are very satisfied with our finance outcomes.

Adam Peterson

07:40 13 Nov 24

Keiren Mac

00:17 13 Nov 24

Danha has been holding my hand on each and every step. Highly recommend.

Carl Barker

11:11 06 Nov 24

michael hsieh

22:42 31 Oct 24

Very professional, very helpful and secured us a great home loan!

Marlise McEvoy

09:08 31 Oct 24

Danha has gone the extra mile for us in securing our homeland. No question was too silly and she ensured all loose ends were tied up. Highly recommend!

Bethany White

10:33 29 Oct 24

Eyal from DPM has always been professional, knowledgeable and helpful. We highly recommend Eyal.

Li Larry

02:28 29 Sep 24

Thank you to Naomi for your invaluable assistance and wealth of knowledge!

Tristan Harding

07:52 12 May 24

Excellent service provided by Kimsor Pan and Anthony dickinson in helping us with our tax return and home loan application. The process went very smoothly and we were constantly updated by them throughout the whole process. Would highly recommend their service

Alvin Loh

07:23 02 May 24

Naomi Li was absolutely fantastic throughout the entire the process.She found us the best home loan that suited our circumstances.We were definitely in unfamiliar territory when it came to this and Naomi was there every step of the way.She was also quick to reply us whenever we had any questions.

Ka Sheng Loh

03:47 25 Apr 24

Kimsor is the consummate professional and I would highly recommend him for all of your lending needs!

Shanan Woo

10:20 09 Apr 24

Naomi was top notch. She matched our pace, clearly outlined the process, required documentation and kept us on task and updated. If you’re looking for. A good Mortgage broker who outlines your options clearly - this is where to find them. Thank you for an easy refinance!

Joshua Dickson

13:00 05 Apr 24

Great customer service. We had Naomi and she was fantastic! We never felt any pressure and we felt they were super flexible with what we wanted and worked within our time frames. Very transparent and helpful with the whole processes!

Charmaine Dickson

01:39 04 Apr 24

My partner and I had a great experience with Marissa in purchasing our first home. She was so helpful in explaining and guiding us through the entire process, thanks so much Marissa!

Shaan M

04:55 31 Mar 24

Seamless and painless experience

Niall Corcoran

08:06 27 Feb 24

Danha from DPM assisted with buying my first home - my situation was unusual and she was incredible throughout. She had the patience of a saint with my disorganisation and delays and really went into bat to get me the best arrangement possible specific to my needs. She drove the process and turned things around when I was letting the ball slide. I could not recommend her more highly.

Jessica Paul

02:07 08 Feb 23

My partner and I used DPM to buy our first home and we can't thank them enough with a special shout out to Danha who went above + beyond for us from day 1 of buying our home. Thank you for every call, email, web conference - thank you for helping us navigate this financial world and supporting us both in purchasing our first literal DREAM home. Would reccomend them for all financial things - I use DPM as my accountant & for insurances as well and only have great things to say for all! Thanks for looking after me DPM 🙂

Mirsada Prasko

12:04 31 Oct 22

Akmal Yang

06:30 04 Oct 22

The DPM team has been great. In particular, Danha has gone above and beyond as a broker and Dino has been extremely supportive throughout all my interactions.

Marcel B

11:09 14 Sep 22

The team at DPM provided a fantastic service in our most recent dealings. A big thank you to Eyal Judah for the time and effort spent in recommending the best solution for our needs. Eyal's expert knowledge of the subject matter shone through as his patient approach made our experience not only informed but also stress-free. Thanks Eyal!

Tomasz Strus

03:53 04 May 22

I have been with DPMFS for over 5 years and I couldn't be happier with them. I strongly recommend their amazing team to any other doctors looking for the most insightful, and personalised care that I've had financially!

Clinton Ellis

03:52 03 Mar 22

Rahul Chakrabarti

03:45 01 Feb 22

Consultant Danha Ngo was very professional and kind. She guided me through the process of acquiring my home loan and made the process very easy.

Ali Baker

12:16 26 Jan 22

Danha Ngo is an outstanding lending consultant who went above and beyond when helping me purchase my first home! I was very hesitant at first to get a lending consultant but Danha was very knowledgable and able to get me the best variable rate on my home loan within such a short period of time. She was very honest, and educated me on reviewing all documents and walking me step by step through the entire process even though I asked 100's of questions. Responded very promptly to emails and phone calls, making my first home purchase very easy and hassle free. If you're looking for an expert in her field who knows how to navigate her way around home loans to get you the best deals and to expedite loans, then I cannot recommend her enough and will be using her again in the future. 10/10 service!

Jessica Au

10:07 04 Jan 22

DPM made the process of getting personalised insurance very easy and streamlined, very happy with the policy they recommended.

Alex Strathmore

22:26 05 Nov 21

DPM has provided professional & seamless assistance for us on two services: as a mortgage broker (thank you Danha), and with arranging life & income insurance (thank you Tom R). They've helped prevent us getting bogged-down in paperwork and policy, and have made arranging a home loan & life insurance a breeze. Going further down the line, I'll definitely be planning to use their services again.

B J

01:32 26 Oct 21

DPM have been excellent to deal with. Their advice has been well considered and they are very responsive. Tom in particular has made it very easy to navigate the maze of financial products and their many different options. I would highly recommend them.

Eric Wong

05:48 01 Jul 21

Calibration 123

10:45 25 Aug 20

I have been seeing an accountant at DPM since I graduated from university. Our annual appointment is always professional while also being a friendly catch up on the year.I have recently been assisted by a financial advisor to arrange income protection. The process was smooth and timely. I felt very well supported with plenty of information provided and they kept me up to date on the progress of my application.DPM is a friendly team and always very easy to get in touch with!

Sam Harvey

22:05 30 Apr 20

Excellent experience all-round! Accounting, finance and insurances all managed by friendly, capable and talented people and associated support staff. Always available to help and answer all sorts of questions. Highly recommend

Chetan Lodhia

10:04 30 Apr 20

I had a really good experience with DPM financial services. Tom and Katie were very helpful and efficient. They explained every step thoroughly and provided with best service. I would highly recommend DPM Financial services.

Mi Kyung Jun

01:47 02 Apr 20

William Indrawan and his team were very extremely helpful in helping me with my taxes - they were professional, efficient and very knowledgeable. It would have taken me so much time and dedicated research to find out what deductions you are allowed for your taxes as a medical doctor, especially coming from another country. The service was very personalized and such a pleasant personal interaction. And yes, I had a good tax return! Thank you!

Rachel Deschamps

09:52 22 Nov 19

I have been with DPM working with Aaron Burton for a number of years. My only regret is that we did not engage his services sooner. Aaron has been an excellent guide and advisor, who understands your circumstances and ensures we have made the right decisions at all times. We would recommend him and the services of DPM most highly

Natasha Michael

19:18 07 Nov 19

Delighted with the services received at DPM with Tom and Anthony. They were both knowledgeable in their respective fields and efficient at their work. Would highly recommend!

Pearly Gan

12:16 06 Sep 19

I have been with DPM for a couple of years. I first started by meeting my now accountant Anthony Pane and he has been wonderful in every single way. I was audited last year and I was able to relax and let Anthony do what he does best. Later I also got insurance advice from Mat, and Eyal has become my broker. Everybody in the team has been great and very helpful. Definitely recommend 👍

Liliana Sousa Nanji

01:05 30 Aug 19

I have had a very positive experience with DPM for the past 3 years. I always enjoy meeting with Anthony Pane who gives excellent advice and is a consultant I can highly recommend.

Sam Fraser

04:30 22 Aug 19

Neri Tan

01:15 16 Aug 19

Provide fantastic support and advice, always in a swift manner. Very happy with their service.

Andrew Rawlin

11:07 15 Aug 19

Financial advisors with expertise working with medical professionals. Alyse is professional in all aspects of her work and communicates her wealth of knowledge in a clear and concise manner. With attention to detail and a personalised approach tailored to each individual, I always feel a sense of clarity after a consultation with DPM. Highly recommended.

Daniel Phan

11:10 02 Aug 19

I've been with DPM now since 2016 and have nothing but great things to say. Excellent advice and management of all my financial needs. And special shout out to Anthony Pane, who I can highly recommend.

Jason Bishop

07:46 02 Aug 19

Great service! I truly appreciate all the assistance and pleasant service rendered by DPM Financial Services with regards to the filing of my taxes. They were very helpful specially due to the fact that I have already migrated overseas during the period of filing. They kept constant communication and were very prompt to respond to all my enquiries. THANK YOU!

Joma Excel Bravo

11:25 31 Jul 19

I have been a client of DPM for almost 2 years now, and they are a fantastic team that really do give you bang for your buck!My acountant has helped me navigate through the complex world of salary packaging, and has been excellent in completing tax returns each year. He doesn't just "do my taxes," he explains things and helps me understand concepts myself so as to calm the stress levels. When I wanted to apply for a home loan I was directed to a Lending Consultant who has been nothing short of brilliant. They are efficient, they are helpful and they are extremely approachable. I don't know how much money I would have wasted had I not had DPM's guidance. Definitely worth it!

Vanessa Garry

05:19 25 Jul 19

A B

00:23 27 Jun 18

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