HOW WE WORK

Much like you are trained to meet the health needs of your patients, a Mortgage Doctors broker is trained to know which type of loan is suited for your unique circumstances as a medical professional.

With unrivalled market knowledge and a specialised focus on you, we only recommend home loans that have features you are likely to use, maximising your wealth portfolio and minimising the overall cost of your loan.

OUR STRESS FREE PROCESS

Complete our form or call us to discuss your scenario.

We assess your scenario, screen our lenders and get you pre-approved.

We negotiate your rate and present you with your options.

You pick the option that best suits and we get your loan formally approved.

WHAT CUSTOMERS SAY ABOUT US

60+ Google reviews | 5/5

Dr. Jerramungup

Great Service provided by Benny and his team. Always get back to me very quickly. I was a bit indecisive about how much deposit I was going to put down etc.etc.. but they were super patient and changed plan for me. Great Service and highly recommended

Dr. Naw Thitsar Moe Myint

It has been a pleasure to work with Mortgage Doctors. Benny and his team members are very efficient, professional and reliable. Within a short period of time, Mortgage Doctors helped us to achieve our property goals by setting up the suitable loan structure and getting the best possible deal, at the same time saving thousands of $$. Their communication and support are excellent. I would highly recommend the Mortgage Doctors to all my friends who need help with their mortgage.

Dr. Sandy Tun Min

I had one loan refinanced and a new loan with Benny and team. Professional, helpful and smooth sailing from day one. They’ve got my business if I ever purchase another property again

Dr. Marcelo Carvalho

Benny and Lucy were very helpful, friendly, professional and responsive through the entire mortgage selection and approval process. I highly recommend Mortgage Doctors and will definitely work with them again.

Dr. Omowaye

Benny and his team are very professional, proactive and reliable brokers. We never thought we could get a home when we did but Benny put us through details we never knew before and contacting them on that fateful day made us a happy home owners now. We are grateful for their professionalism and will recommend them to anyone thinking of buying a home – even if you are going for a 100% mortgage, Benny and Lucy are your best option! Keep up the good work guys and thank you for everything! Olumide & Adekemi

Dr. Thembi Ncube

Benny is an incredible broker who made the impossible possible for me. He is extremely attentive, accessible, affable and thinks on his feet. He simply gets the job done! I strongly believe that there is no situation too hard for him and his team. I will use their service again and again. Thanks Mortgage Doctors👌🏽

Dr. Bhavini Patel

We were very happy with the support we received from Benny and his team. They worked very hard to chase the bank and help us with all the necessary paperwork. We were new home buyers and had lots of questions. They made the whole process very easy and we would highly recommend them to friends and use them again in the future. I don’t think we would be in our new home without their tireless effort! Thank You very much!!!!

Dr. Andrew Palmer

Benny and his team were top class, extremely efficient and very professional to deal with. We would certainly use them again in the future and we would recommend them to anyone who may be looking to buy/ refinance. They certainly made it a stress free process.

Dr. Brian Thio

This was the second time I used Mortgage Doctors for a home loan and can’t recommend better than Benny and his team. He is responsive, helpful and informative. You are brought through the whole loan process from start to finish in a swift and efficient manner.

Benny tailors and customises each case and is skilled in obtaining a loan for you whether you’re an independent contractor or full time employee. For my first loan Benny was able to secure me a loan where other conventional brokers were unable and also waive LMI.

You really shouldn’t look anywhere else when searching for a hard working and committed broker!

Dr. David Chan

Thank you for an excellent experience. Benny and Lucy were professional, friendly, helpful, and communicated fantastically throughout the whole process. I have no hesitation in recommending their services.

CASE STUDIES

CASE STUDY 1

Doctor couple went to the bank and could not get Lenders Mortgage Insurance waived because one doctor was a Psychologist.

BACKGROUND
Our doctor clients found out that they could not qualify for waived Lenders Mortgage Insurance because one of them was a Psychologist.

PROBLEM
Most banks have a list of ‘doctors’ who do not qualify as doctors under their lending policies. This can be confusing as the doctor is registered with the medical board. Some doctors that fit into this category include Psychologist, Radiographer, Occupation Therapist, Audiologist and Osteopath to name few.

SOLUTION
We shortlisted and negotiated with lenders who assessed both doctors as doctors under their policies.

RESULT
We placed her with a lender who completely waived Lenders Mortgage Insurance.

CASE STUDY 2

Doctor who recently became self-employed and no longer works as a hospital employee.

BACKGROUND
Our doctor client had her mortgage application declined by a bank due to ‘short employment history’ in the new role. She was previously employed full-time at a hospital before registering an ABN and starting a medical business. The bank had declined his loan because she had only been contracting for three months

PROBLEM
When assessing self-employed borrowers, lenders require ABNs to be at least two years old. Lenders will request two recent tax returns showing the income generated as a self-employed medical professional

SOLUTION
We shortlisted and negotiated with lenders who assessed her employment using bank statements and tax invoices to annualise her income

RESULT
We placed her with a lender who annualised the income she generated during the first three months as a contractor. No tax returns were required, and the home loan was formally approved.