PB
Phoebe Blamey
google
“The brilliant thing about Julie is her next level understanding of money in your business and how to help a business owner borrow money”
Posted on Google · 2026-11-12
Merrylands · Mortgage broker
Finance for professionals, including complex income
Home loans and business finance for doctors, dentists, accountants, lawyers, engineers, architects, consultants and IT contractors, and for people paid bonus, commission or through their own company, whether you are PAYG, contracting or practising under an ABN. Some lenders offer professionals better terms, such as higher borrowing limits or waived lenders mortgage insurance.
Professional income is often more complex than it looks: bonuses, commissions, profit distributions, a practice structure, or a recent move from salary to contracting. Tax minimisation at end of financial year can also reduce your borrowing power on paper. The right lender recognises your full income and your profession's lower risk.
| Loan | For |
|---|---|
| Professional home loan | Buying a home, possibly with an LMI waiver for eligible professions |
| Low doc loan | Recently self-employed or contracting professionals |
| Commercial property loan | Buying your rooms, practice or office |
| Vehicle and equipment finance | Practice equipment and business vehicles |
| Cash flow loan | Short-term working capital for the practice |
| Line of credit or overdraft | Drawing only what you need |
| Investment, refinance and construction | As on their own pages |
What we do
Finance for Professionals
For doctors, dentists, lawyers, accountants, engineers, architects and consultants.
What’s included
- An income review: PAYG, contractor or ABN, bonuses, commissions and distributions
- A check of your profession against current lender policies
- A total-cost comparison of specialist lenders against the wider market
- Approval and settlement
- A check before EOFY on how tax planning affects your next application
Problems we solve
- Bonuses, commissions and distributions lenders overlook
- A recent move from salary to contracting
- Financing practice premises and equipment
- Tax planning lowering borrowing power on paper
How it works
How we deliver
1
Income reviewPAYG, contractor or ABN; bonuses, commissions and distributions.
2
Profession checkagainst current lender lists for LMI waivers and higher limits.
3
Compare total costwaiver lenders against the wider market.
4
Approval and settlement.
5
Before EOFYa check on how tax planning will affect your next application.
Pricing
Honest, up-front pricing
Starts with a free assessment
The lender that funds your loan pays us a commission when it settles. If a fee ever applies, for example on a complex or commercial loan, it is agreed in writing before any work starts, and our credit guide sets out exactly how we are paid.
Reviews & ratings
Loved by the local community
NM
Neil Manuel
google
“Awesome broker, highly recommended for any of your finance needs!”
Posted on Google · 2026-11-01
GO
Gareene Ohanian
google
“I highly recommend Julie from Mortgage Pass in Merrylands. She’s so professional, knowledgeable and caring. Her advice is beyond what you will ever receive from a bank. julie managed to secure our first home buyer pre-approved loan in no time. We are so happy to have found our forever home and settled our loan with ease. Thank you Julie & the Mortgage Pass team.”
Posted on Google · 2026-10-21
Meet your team
Led by people, not a faceless help desk
JJ
Julie Judge
Finance for Professionals lead · Diploma of Finance and Mortgage Broking Management
Mortgage broker in Merrylands and nearby
Areas we serve
These are just some of the local suburbs we cover.
SydneyNSWBurwoodNSWConcordNSWHolroydNSWHomebushNSWLidcombeNSWRosehillNSWGranvilleNSWGuildfordNSWMays HillNSWNewingtonNSWRydalmereNSWMerrylandsNSWSydney Olympic ParkNSWSilverwaterNSWWentworthvilleNSWNorth ParramattaNSWConstitution HillNSWParramattaNSWSouth WentworthvilleNSW
Popular searches
Service options
Onsite servicesOnline appointments
Amenities
Gender-neutral restroom
Crowd
LGBTQ+ friendlyTransgender safespace
From the business
Identifies as women-owned
FAQs
Questions answered
Can professionals access tailored finance?
Yes. Many of the lenders Mortgage Pass compares offer options for law, medicine, accounting and engineering, often with higher limits or streamlined approval.
Which professions qualify for an LMI waiver?
Commonly medical, legal and accounting, Mortgage Pass finds, but each lender sets its own list and limits.
I have just started contracting. Can I borrow?
Often yes. Mortgage Pass can help new contractors borrow with a contract in place and prior experience in the field.
Can I finance my practice premises?
Yes. Mortgage Pass finances practice premises through a commercial property loan.
Business information
Mortgage Pass
Address
1/219 Merrylands Road, Merrylands NSW 2160Get directions →
Phone
Booking link
Hours
HoursSee all →
Website
Plus Code & geo
Credit licence
Australian Credit Licence 387025
Find us
Hours, directions and map
- Address1/219 Merrylands Road
Merrylands NSW 2160 - StatusHours
- Google Plus Code
5X7Q+HH
Opening hours
HoursMondayToday9:00 am – 6:00 pm
Tuesday9:00 am – 6:00 pm
Wednesday9:00 am – 6:00 pm
Thursday9:00 am – 6:00 pm
Friday9:00 am – 6:00 pm
SaturdayClosed
SundayClosed
Status: Open today 9:00 am – 6:00 pm
Sources & references
- (n.d.). RG 273 Mortgage brokers: Best interests duty. ASIC. https://asic.gov.au/regulatory-resources/find-a-document/regulatory-guides/rg-273-mortgage-brokers-best-interests-duty/
- (n.d.). Search ASIC's professional registers. ASIC. https://asic.gov.au/online-services/search-asic-s-registers/professional-registers/