T: +61-7-3221 5677 - Enquiries: enquiries@walshs.com.au - Mortgage Broking: lending@walshs.com.au

Walshs

Lending Superpowers

One of Queensland’s leading financial planning, accounting and lending firms for medical and private clients. Providing accounting, mortgage broking and strategic financial planning advice.

T: 61-7-3221 5677
Email: enquiries@walshs.com.au

Walshs
Level 24/10 Eagle Street, Brisbane QLD 4000

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Lending Superpowers
Tuesday, 29 November 2022 / Published in Walshs Blog

Lending Superpowers

Being a Junior doctor can mean you’re income is spread thin across training fees, relocation costs and exams fees making it hard to save for a home.

And with most banks requiring a 20% deposit to avoid the pricey Lender’s Mortgage Insurance (LMI), the hope of homeownership for many aspiring doctors is often a distant dream.

As a niche broker specialising in mortgages for medical professionals, Walshs has access to a full panel of lenders, including specialist banks with medical-specific policies.

Specialty lending arrangements include unique policies tailored to doctors that negate the need for hefty deposits. In fact, Walshs can arrange owner-occupied and investment loans with a 5% deposit and no LMI.

The firm also has a future income policy that enables doctors to borrow more, based on their prospective payslip rather than their current income.

“For junior doctors, the most difficult part of the purchase process isn’t a lack of deposit but rather the bank lending them enough money,” Walshs Director Peter Hodgson, says.

“Most, if not all banks in Australia determine how much people can borrow based on their current income but at Walshs, we use an income two years ahead of a hospital-based doctor’s current pay grade,” he says.

“This allows our clients to buy sooner and buy a better asset because they can borrow more.”

 

The Trusted Choice

Facilitating more than $340 million of lending last year across 365 properties for 2,300 doctors – yes that’s one settlement a day – there’s no denying Walshs are experts in medical mortgages.

Whether your goal is to purchase your own home or build your investment portfolio, our team offers a full mortgage broking service with loans designed specifically for doctors.

Perks include the ability to borrow up to 95% of the property value with no LMI, exclusive interest rates and higher borrowing potential.

We’re also best buds with our accounting and financial planning teams to safeguard the structure of your loan for future financial success.

 

If you want to stop daydreaming and turn your homeowner dreams into a reality, give us a call on (07) 3221 5677 or book a 1-1 meeting with one of our medically-minded lending experts.

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Tagged under: brisbane medical accounting, financial advice, financial planning, Lending, Medical Accountants Brisbane, Mortgage broking, Property, queensland

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Contact

  • PHONE: 61-7-3221 5677
  • FACSIMILE: 61-7-3221 5744
  • EMAIL: enquiries@walshs.com.au
  • MORTGAGE BROKING: lending@walshs.com.au

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  • OFFICE: Level 24/10 Eagle Street, Brisbane QLD 4000
  • POSTAL ADDRESS: GPO Box 12, Brisbane QLD 4001
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All advice on this site is general in nature and does not take into account your personal circumstances. Please do not hesitate to contact one of our adviser accountants or financial planning advisers if you have a query that is specific to your circumstances.
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