Cutter and Co Financial
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At Cutter & Co we help individuals, families & business owners with home loans, refinancing, commercial loans and tailored lending solutions to support your goals and build long-term wealth. Based in Melbourne, our team brings a wealth of industry experience and provides personalised service that matches your individual needs. To ensure the borrowing solution you choose is the most suitable one out there, we draw from dozens of lenders and explore a number of loan options.
26/05/2026
Getting declined by a bank doesn’t always mean you can’t get approved.
Sometimes it means your application was assessed through the wrong lens.
Medical professionals don’t fit into standard lending boxes.
Hospital salary, billings, locum work, training stage and future earning potential all require a different approach and the right lender.
That’s where strategy matters.
The difference between a “no” and a “yes” can come down to:
• how your income is structured
• which lender is selected
• whether your profession-specific benefits were actually considered
A home loan should be built around your profession, not forced into a generic assessment model.
Book your medico consultation.
📍 Melbourne
📞 (03) 9100 2888 or DM us
A lot of medical professionals don’t put this off because they’re not serious about property.
They put it off because they genuinely don’t have the time.
That’s exactly why we simplify the process.
One call.
One document checklist.
We compare the lenders, structure the application, manage the bank and handle the back and forth for you.
The goal is simple.
Find the lender that understands your income and position your application properly from the start.
Most clients are surprised by how straightforward the process actually is.
Book a consultation with us.
📍 Melbourne
📞 (03) 9100 2888 or send us a message
There’s a new lending product available for medical professionals that many people still don’t know exists.
Depending on profession and income, eligible medico clients may be able to access unsecured lending from $300,000 to $500,000 with no property security attached.
For the right client, this can create flexibility around cash flow, deposits, business investment, tax obligations or working capital.
The key is having the right strategy and understanding how to structure it properly.
If you work in the medical sector, it may be worth understanding what options are available to you.
Book your medico consultation with us.
📍 Melbourne
📞 (03) 9100 2888 or DM
Medical income is rarely straightforward and that’s where most banks get it wrong.
The way your income is structured and presented can make a significant difference to borrowing capacity and approval outcomes.
After 20 years structuring lending for Melbourne medical professionals, we know which lenders assess medical income correctly and how to position applications properly.
If you work in the medical sector, speak with someone who actually understands your income.
Reach out now.
📍 Melbourne
📞 (03) 9100 2888 or DM us
Most medical professionals don’t realise they may be able to buy with just a 5% deposit and pay zero LMI.
That could mean keeping thousands in your pocket instead of needing a full 20% deposit upfront.
Not every lender assesses medical professionals the same way.
The difference often comes down to understanding your profession, your earning trajectory and which lender policies actually work in your favour.
The right strategy can make a significant difference to both borrowing capacity and approval outcomes.
If you work in the medical sector, it’s worth understanding what may be available to you.
Book your medico consultation.
📍 Melbourne
📞 (03) 9100 2888 or DM us
20/05/2026
Doctors: you could potentially save up to $40,000 in LMI and not even realise it.
A standard lending approach doesn’t always work for medical professionals.
Hospital salary, billings, locum income and future earning potential are assessed differently depending on the lender and how the application is structured.
And that structure matters more than most people think.
The lender you choose today can impact:
• borrowing capacity
• future equity access
• long-term property growth
Because a home loan isn’t just about getting approved.
It’s about setting up the right foundation long term.
Book your medico consultation now.
📍 Melbourne
📞 (03) 9100 2888 or DM us
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Telephone
Website
Address
384 Keilor Road
Melbourne, VIC
3042
Opening Hours
| Monday | 9am - 5pm |
| Tuesday | 9am - 5pm |
| Wednesday | 9am - 5pm |
| Thursday | 9am - 5pm |
| Friday | 9am - 5pm |
