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. 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. 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. 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. 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. David MacGarty

Benny was great from start to finish. He stuck with us when we had difficulty securing funds and he explored multiple mortgage options for us. He was always available and never pushy. Highly recommend!

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. Michael Stapelberg

I found Benny Dubria very helpful and professional.

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.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

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.

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