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 |
For doctors, dentists, lawyers, accountants, engineers, architects and consultants.
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.
“Highly recommend Mortgage Pass. Excellent service from start to finish. Julie made the whole process so much easier! She’s extremely thorough, goes above and beyond to find the best deal, and keeps you updated every step of the way. Very professional, knowledgeable and always happy to help. If you’re looking for a reliable and helpful broker, Julie is your go-to!”
“We wanted to cash out against our home to renovate and had no idea where to start. Julie was so helpful from day one. She walked us through all our options, explained the numbers clearly, and found us a great deal that let us access the equity without messing up our existing loan. Communication was excellent the whole time, everything was handled quickly and settlement was smooth. Made what could have been stressful actually really easy. Highly recommend Julie if you need a mortgage broker.”
“We couldn't recommend Julie from Mortgage Pass highly enough! From the very beginning, Julie was professional, knowledgeable, and incredibly supportive throughout what turned out to be a challenging loan process. Thanks to Julie's hard work and determination, we've secured the finance to build our dream home. If you're looking for a mortgage broker who will go the extra mile, Julie is the person to call. Thank you, Julie, we're so grateful for everything you've done to help make our dream a reality!”
These are just some of the local suburbs we cover.
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