Get a home loan that rewards your income potential and saves you money, without complicated paperwork or banker-style guesswork.
Medical professionals often have strong long-term earning power but messy “today” numbers like training pathways, rotating contracts, HECS, allowances, or upcoming fellowship income. That’s where generic lending advice falls short. We help doctors, dentists, specialists, and allied health professionals structure a home loan that matches your real financial position now and where it’s heading, while keeping your tax strategy clean and lender-ready.
IS THIS RIGHT FOR YOU?
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You’re on a fixed-term contract (or rotating hospitals) and lenders keep asking for “more certainty” than you can give.
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You’re upgrading homes and want to keep buffers for future moves, family planning, or practice buy-in.
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You have high income but also HECS, novated lease, credit card limits, or multiple liabilities affecting borrowing power.
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You’re self-employed (or about to be) and don’t want your home loan strategy to clash with business tax planning.
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You’re aiming for a low-deposit purchase and want to know if any professional or policy benefits apply.
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You’re time-poor and want the loan handled properly the first time, without endless back-and-forth.
HOW IT WORKS
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Quick Strategy Call
We map the purchase plan, timeline, deposit position, and your work structure (PAYG, contractor, or business owner). -
Borrowing Power + Risk Check
We review income (base + allowances/OT), liabilities, HECS, living costs, and credit file to find the real constraints early. -
Structure Before Product
We design the split between offset, fixed/variable, redraw, and loan splits so it supports cash flow and future flexibility. -
Lender Selection + Packaging
We choose lenders that understand medical income profiles and submit a clean application with the right evidence upfront. -
Approval to Settlement + Setup
We manage the lender, valuation, conditions, and settlement, then help set offsets and repayments so it runs smoothly.
WHAT MAKES US DIFFERENT
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Advice first → not lender-first
We start with the structure that fits your life and career pathway, then match it to the right lender policy. -
Tax-aware lending → fewer nasty surprises
We consider how your income, deductions, and future plans affect borrowing, without “creative” accounting that backfires later. -
Medical career nuance → better framing
Allowances, overtime, training-to-fellowship transitions, and contract history are presented in a way lenders can actually approve. -
Melbourne-based and investor/business savvy → broader lens
Whether you’re buying in Melbourne, planning an investment, or moving toward private practice, the strategy accounts for next steps.
Frequently asked questions
Can you help if I’m a registrar/intern on a fixed-term contract?
Yes. Many medical clients have contract work or rotating employers. The key is presenting employment continuity, industry demand, and income evidence properly so the lender’s assessor can say “yes” without extra conditions.
Will HECS and my credit card limits really reduce borrowing power?
Often, yes. HECS can materially impact serviceability, and card limits are assessed as ongoing commitments even if you don’t carry a balance. We’ll show you what moves the needle (and what’s not worth stressing about).
What if I’m self-employed or buying through a company/trust?
That’s where most brokers stop. We can coordinate lending and tax considerations so the structure makes sense (ownership, cash flow, future refinancing) and stays compliant and defensible.
How long does the process take?
If documents are ready, pre-approval can often be turned around within days to a couple of weeks depending on the lender and complexity. We’ll give you a realistic timeline based on your profile and contract dates.
Do you only help in Melbourne?
We’re Melbourne-based and understand Victorian purchase considerations like stamp duty planning and timing. We can help clients across Australia too, but you’ll still get local, strategy-led advice rather than a call-centre approach.
Next Step
If you want clarity on what you can borrow and how to structure it properly (without wasting weekends on lender runaround), book a strategy session. We’ll map your options, risks, and the cleanest path to approval.
Chat with DFG today
Booking in a quick call doesn't cost you anything.