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

1

Complete our form or call us to discuss your scenario.

2

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

3

We negotiate your rate and present you with your options.

4

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. Vijay Mirtipati

Benny is very professional, calming, guiding, reassuring, logical, pressure less and keeps it simple. Also, Lucy is very easy to communicate and get things done quickly,

strongly recommend

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.Daniel Garcia

Benny and the team at Mortguage Doctors with incredibly professional and trustworthy .. I have already recommended their service to friends. Wish them the best

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. 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. 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. 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 Roshan Nair

Mortgage Doctors is exceptional. Extremely professional and reliable. Benny and Lucy were top notch, kept me updated and in the loop throughout the process and always willing to answer my queries. Highly recommend Mortgage Doctors and will definitely come back again! Thank you!!

Reposting after 6months…once again mortgage doctors have proven to be exceptional.  From approval to settlement Benny and Lucy have been extremely helpful, dedicated and professional ensuring the entire process to be as stress free as possible.

Again, highly recommended Benny and his team at Mortgage Doctors and will definitely come back again for my next purchase.

Dr. Michael Stapelberg

I found Benny Dubria very helpful and professional.

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!

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.

CONTACT US