ATTENTION: medical ProfessionalS looking to make your next property move
Finally some honest lending advice before making your next property move, despite rising interest rates.
We help healthcare professionals understand their borrowing position and explore mortgage options based on their individual circumstances.
Whether you're buying your first home, refinancing, upgrading or considering an investment property, your income and financial circumstances may not fit neatly into a standard lending profile.
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Check Your Borrowing Position:
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Mortgage advice built around you.
The Process
1. Understand
We start with your income, commitments, goals and property plans.
2. Assess
We look at your individual circumstances and help you understand your potential borrowing position.
3. Compare
Where appropriate, we can help you compare available lending options based on your circumstances.
4. Move forward
If you're ready to proceed, we guide you through the next steps of the lending process.
What others are saying
If you're a Medical Professional, we specialise in securing Finance to:
1. Buy your first home
Work out your potential borrowing position and understand the steps involved before you start seriously searching for a property.
2. Refinance your existing mortgage
If your circumstances have changed or you haven't reviewed your home loan recently, we can help you understand what options may be available.
3. Buy your next home
Moving, upgrading or changing your property situation? Understand how your existing lending and circumstances may affect your next purchase.
4. Buy an investment property
Considering property investment? Understand your potential borrowing position and how an investment purchase could fit within your broader lending position.
Your situation isn't always straightforward.
Healthcare professionals can have financial circumstances that require a closer look.
You may have:
• Multiple sources of income
• Overtime, penalty rates or shift allowances
• Casual or contract income
• HECS/HELP debt
• Private practice or self-employed income
• Existing property or investment loans
• Plans to buy while your career is still developing
Rather than relying on a generic borrowing calculator, we start by understanding
your situation, your goals and what you're trying to achieve.
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Not sure whether you're ready?
That's okay.
You don't need to have found a property.
You don't need to know exactly how much you want to borrow.
And you don't need to be ready to submit a loan application.
The first step is simply understanding where you stand.n
You don't need to have found a property.
You don't need to know exactly how much you want to borrow.
And you don't need to be ready to submit a loan application.
The first step is simply understanding where you stand.
STILL NOT SURE?
Frequently Asked Questions
Here's what we usually get asked
How does the process work with Situate Finance?
We start with a strategy session to understand your goals, finances, and timeline. From there, we assess your borrowing capacity, recommend suitable lenders, and manage the entire application through to approval and settlement.
Do healthcare professionals automatically qualify for special lending?
Not necessarily. Eligibility and lending criteria vary between lenders and depend on individual circumstances. Our goal as your Broker is develop relationships with all lenders that favour healthcare workers and master the policies that actin the best interest of our clients.
Do I need to have a property in mind?
Although it helps with pre-planning. Most customers start by understanding their borrowing position first before they begin looking at properties.
Is the initial conversation the same as an application?
No. The initial conversation is simply an opportunity to understand your specific circumstances and discuss your objectives. If you decide to proceed, we'll explain the next steps.
Can you tell me exactly how much I can borrow?
Your borrowing capacity depends on your individual circumstances such as your income, expenses, debts, and deposit as well as the requirements of the relevant lender. We’ll give you a clear, realistic range so you can confidently plan your next move.
Can you help if I’m self-employed?
Yes. We work with lenders who specialise in self-employed clients and can guide you on how to present your income correctly for approval.
What grants or schemes can I access as a first home buyer?
Depending on your situation, you may be eligible for government incentives such as the First Home Owner Grant or stamp duty concessions. We’ll guide you through what applies and how to maximise these benefits.
Do I need to be a first-home buyer?
No. We work with healthcare professionals at different stages of their property journey, including first-home buyers, existing homeowners, refinancers and investors.
Can you help first-time investors get started?
Yes. We guide first-time investors through the entire process—from structuring their first purchase to understanding lending strategies that support long-term portfolio growth.
Do you only help with buying property?
No. We also assist with refinancing, equity release, and restructuring of your loan as your financial position grows.
When should I speak to a broker?
As early as possible. Whether you’re 3 months or 12 months away from buying, early planning puts you in a stronger position when the right opportunity comes up.
How do Mortgage Brokers get paid?
As a mortgage broker, our services get paid as a commission directly from the lender after settlement.
Situate Finance was founded to help OUR clients make confident financial decisions with clear sOUND advice, expert guidance, and ongoing support at every stage of Your financE journey.
Securing finance shouldn’t feel transactional.
With over two decades of combined experience, we help medical professionals structure finance strategies that actually align with their goals.
By partnering with Situate Finance, your next property decision starts with understanding where you stand using expert guidance.
