We do all the leg work.
We negotiate with the banks for you.
We only submit the loan if you'll get approved.
We started Mortgage Doctors to help professionals in Australia achieve their property goals by setting them up with the right home loan structure.
Our fundamental aim is to exceed the home loan needs of our doctor clients in particular situations.
Whether you're a doctor looking for all the perks, an Australian doctor living overseas trying to buy a property in Australia, or a dentist trying to get the top deal, we'll make sure to find you the right option.
There are many reasons that a bank will decide to either approve or decline a home loan application.
Ultimately, lenders base their assessment on your worth as a borrower using the so-called ‘5 Cs of Credit’. Applicants who can clear this assessment will have a much better chance of getting approved.
The 5 Cs stand for character, capital, capacity, collateral and conditions.
The documents you'll need to show when you apply for a loan depends on the type of borrower you are and the type of loan you're after.
For example, a self-employed first home buyer will need to gather together a slightly different set of docs to an investor or a refinancer.
Most borrowers need to show two most recent pay slips, most recent group certificate and identification documents equivalent to 100 points.