Cutter and Co Financial

Cutter and Co Financial Expert guidance, clear strategy and finance made personal.

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.

28/05/2026

Same doctor.
Same income.
Over $200,000 difference in borrowing capacity.

The difference was not the client.
It was how the application was assessed and which lender was chosen.

Medical income is often far more complex than standard PAYG income and not every bank assesses it properly.

The right lender and the right strategy can completely change the outcome.

If you work in the medical sector, it’s worth understanding what your borrowing position may actually look like with the right approach.

Book your medico consultation

📍 Melbourne
📞 (03) 9100 2888 or DM us

27/05/2026

Doctors may be able to borrow up to 95% with no LMI and many still don’t know these policies exist.

That could mean saving thousands depending on the property and lender.

The challenge is most banks won’t explain these medico waivers or how to qualify properly.

After 20+ years structuring medical loans, we know which lenders offer these policies and how to position applications correctly.

Book your medico consultation
📍 Melbourne
📞 (03) 9100 2888 or DM us

Getting declined by a bank doesn’t always mean you can’t get approved.Sometimes it means your application was assessed t...
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

25/05/2026

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

23/05/2026

A lot of first home buyers think they’ve missed their opportunity to get into the market.

But the reality is, there are still options many people are overlooking.

Between low deposit lending, stamp duty concessions, guarantor strategies and lender policies that can improve borrowing power, the right structure can make a significant difference.

The key is understanding what is actually available to you and having a strategy that fits your position.

Book your free First Home Buyer consultation.

📍 Melbourne
📞 (03) 9100 2888 or DM us

22/05/2026

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

21/05/2026

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

21/05/2026

Does our government even understand what intergenerational wealth means anymore? 🤯

The Federal Budget 2026 has left many Aussie property investors and business owners questioning where things are heading. Between negative gearing changes, capital gains tax pressure, rising costs and high interest rates, the goalposts just keep moving.

Hardworking Australians are trying to build something long term for their families while navigating policies that continue making it harder to get ahead.

More than ever, having the right strategy and the right people around you matters.

Because in this environment, wealth creation is no longer straightforward.

21/05/2026

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

Doctors: you could potentially save up to $40,000 in LMI and not even realise it.A standard lending approach doesn’t alw...
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

Address

384 Keilor Road
Melbourne, VIC
3042

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61408282875

Website

https://www.linkedin.com/company/cuttercofinancial, https://calendly.com/cutterandco/30min

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