The LoanFinity Promise
Competitive Finance
Competitive Finance
Expert Advice
Expert Advice
Stress Free Service
Stress Free
Ongoing Support
Continued Support
Our service doesn’t end at settlement. We’ll monitor to ensure your rates and structure are optimised.
OUR APPROACH
THE PROCESS
YOUR EXPERIENCE
Receive 100% independent financial advice from a broker who is invested in your future
You will receive a more personalised service than you would typically receive at a bank. Think of us as your personal banker. We are not owned by any bank and are here to provide you with the best product for your needs and unique circumstances, regardless of what lender it is with.
We will guide you through every step of the process and talk in easy to understand language, so you are aware of everything that is going on with your mortgage.
Access our proven debt reduction and wealth creation systems that will help you pay off your mortgage years earlier
When you work with us, you are tapping into a proven system that saves homeowners time and money on their mortgage. We have helped hundreds of clients achieve their financial goals and we have got systems and strategies in place to ensure that we can help you too, regardless of your unique circumstances.
Medical doctors are considered 'low risk' by the majority of lenders because of higher incomes, and the likelihood that income will increase over time. Additionally, Doctors are considered to be future customers of other types of products. It's for this reason that banks apply various discount on their products.
Doctors and certain other medical professionals are one of just a few groups that are considered for higher LVR borrowing without having to take out costly Lenders Mortgage Insurance (LMI), potentially saving you thousands. As a medical doctor you may usually borrow up to 100% LVR (or 100%) of the purchase price with no LMI (with strict lending criteria, including serviceability requirements, or far fewer requirements with a guarantor), or up to 90% LMI (or up to 90% of the value of the property) with no LMI. In the latter category a larger number of medical professionals are considered for this type of loan. Doctors are understood to be in a professional with higher incomes , low-risk. Your medical profession must be accepted by the banks, and you must also be a member of approved medial industry associations.
As a lower-risk professional your interest rate will usually be in the lower-tiers of those offered by the banks (consider the low rates listed below). We have access to a library of unpublished rates for medical professionals so we'd encourage you to call us to find out more. In most cases, the bigger discounts apply to those that are borrowing less than 80% of the property value.
The Fitout or fixing is an amount relates to the funds necessary to install the internal fittings and fixtures of your property. It can cover plastering or rendering, the part-installation of cupboards and benches, plumbing, electricity and gutters.
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