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. 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. Michael Stapelberg

I found Benny Dubria very helpful and professional.

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.

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. Daniel Ryou

With the uncertainty of Covid19 in 2020, I was extremely anxious of the mortgage process and purchasing a new family home before my son starts big school. Benny was extremely calm, professional and methodical helping me sort out my finances prior in order to ensure the loan would be successfully approved. On top of that, I was even more anxious due to my settlement being a week prior to Christmas and the bank processing times delayed by many weeks. Benny was reliable and in constant contact with me even after hours and worked tirelessly to expediate the loan process with the bank in order to settle before Christmas. Well done Benny. I don’t know how I could have achieved this without you! You certainly will be having me back as a repeat customer and would recommend you to all my family and friends.

Dr. Richard Goldsmith

Found the team very proactive, clearly new their products and were good at communicating. Followed the process through from seeking pre-approval to settlement. Would use again.

Dr. Hassan Sharifi

Professionalism, Quality, Responsiveness, Value

Dr. Alexander Giles

A big thank you to Benny and the team at Mortgage Doctors for handling our home loan application. They were a delight to work with, professional, and extremely responsive to any queries we had. We would definitely recommend them and use their services again!

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. Waruni Peirus

Benny is absolutely lovely to work with, efficient and approachable. Thanks for your amazing work

CASE STUDIES

CASE STUDY 1

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.

THE 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.

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

THE RESULTS
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

CASE STUDY 2

Doctor who had been self-employed over 2 years, however the most recent tax returns show a large difference from the previous year. The max loan approved did not reflect the current situation.

BACKGROUND
Our doctor client was pre-approval for a low loan amount by their bank.

THE PROBLEM
The bank averaged the income and it did not reflect the current situation. Most banks require 2 years tax returns and they average the 2 years if there is more than a 20% variance between the two years.

OUR SOLUTION
We shortlisted and negotiated with lenders who assessed who used a 1-year tax return in isolations exclusively for doctors.

THE RESULTS
The loan was formally approved at a higher maximum loan amount with a lender who used the latest tax return in isolation. The client managed to purchase a property at their original price range.