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We help you navigate first home buyer assistance programs, including stamp duty concessions and low-deposit schemes.
Secure your home loan quickly and hassle-free, so you can focus on what matters—moving into or investing in your home and achieving your homeownership goals.
Explore loans that require as little as a 5% deposit and government incentives like the First Home Owner Grant. Low deposit options for investment property are also available for Doctors.
From pre-approval to settlement, we handle the paperwork and negotiations for you.
We ensure transparency in fees, loan terms, and repayments so you can budget effectively.
Access over 40 lenders, giving you more options to secure the most competitive and suitable refinancing deal.
Get started with a free strategy session to explore your best options.
Many doctors use property investment as a wealth-building strategy. With a stable and high-income career, you can take advantage of flexible investment loans and favorable lending policies.
Comprehensive Income Assessment: We acknowledge that overtime and allowances constitute a significant portion of a police officer’s income. Unlike standard lenders who may discount these earnings, we consider 100% of your overtime and allowances when assessing your borrowing capacity. This approach ensures you can maximize your borrowing potential.
Exclusive LMI Waivers: Understanding the financial burdens you face, we offer Lenders Mortgage Insurance (LMI) waivers for loans up to 90% of the property value. This benefit can save you thousands of dollars, making homeownership more attainable.
Competitive Interest Rates: Our strong relationships with over 40 lenders enable us to negotiate highly competitive interest rates exclusively for police officers. These rates are often more favorable than standard offerings, ensuring you receive the best possible deal.
Support for Probationary Officers: We recognize the challenges faced by officers early in their careers. Our policies are designed to accommodate probationary constables, ensuring you have access to the financial support you need from the outset.
Yes! Many lenders offer LMI waivers, higher borrowing power, and exclusive low-interest rates for doctors.
Yes! Doctors can secure home loans with as little as 5-10% deposit, and many qualify for NO LMI loans at 90% LVR. The lenders may lend 100% of the property price in certain circumstances. Contact us to find out if you are eligible for these options.
We work with lenders who consider internship income and future earning potential, making it easier to get approved.
We specialize in self-employed and business-owner home loans, helping doctors secure financing with alternative income verification options.
Yes! Many doctors use their existing home equity to purchase investment properties. We help structure the best loan solution for your portfolio growth.
Doctors often benefit from:
✔️ Fixed or variable rate loans – Depending on financial goals.
✔️ Offset accounts & redraw facilities – To reduce interest costs.
✔️ Low-doc loans – For self-employed doctors or those with irregular income.
Yes! Many doctors leverage their high earning potential and stable employment to secure investment loans with competitive rates.
Negative gearing allows doctors to offset property investment losses against their taxable income, reducing overall tax obligations while benefiting from long-term property growth.
Doctors often choose to invest through a family trust or discretionary trust to:
✔️ Protect assets from legal liabilities.
✔️ Distribute rental income across family members for tax benefits.
✔️ Reduce personal risk exposure.
Yes! Many doctors use their Self-Managed Super Fund (SMSF) to buy investment property. SMSF lending allows doctors to build wealth for retirement while taking advantage of the tax benefits associated with SMSFs. This is a popular choice for doctors looking to diversify their investment portfolio within their superannuation.
Yes! Doctors can use a Trust to purchase property, which can be beneficial for asset protection, estate planning, and tax efficiency. We help you set up the right Trust structure, whether it’s a discretionary trust or a family trust, and work with lenders who offer favorable terms for trust-based lending.
The two most common types of trusts used by doctors for property investment are family trusts and discretionary trusts. Both allow you to transfer ownership of the property, offering flexibility and potential tax advantages. Our experts can guide you in choosing the best trust structure for your financial goals.
Using a Trust for property investment can offer asset protection from creditors, tax advantages, and the ability to pass on assets to beneficiaries. Additionally, Trust lending may provide better borrowing terms for those looking to protect their personal assets while investing in real estate.
When using a Trust for property investment, the key requirement is ensuring the trust structure is set up correctly and that all involved parties are eligible. Lenders will assess the Trust’s income and assets, so it’s crucial to work with a mortgage broker who understands Trust lending to secure the best possible loan terms.
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Read MoreWhether you’re a first-time buyer, looking to invest, or interested in using a Trust or SMSF for property investment, Triple O Finance is here to help. With our expertise in doctor-specific home loans, we tailor our services to meet your unique needs and goals. Book your FREE consultation today to secure the best home loan or investment solution for you.
We can not thank the Triple 0 finance team enough for their help in securing our dream home. Special shout out to Nish and Ash for their dedication, open communication and support throughout the loan application process. From day one, we knew we were in safe hands. Every time we raised a concern, they had a solution. Nish and Ash made the whole process run smoothly and secured us a fantastic rate considering the current climate. Thanks guys!
We found Ash and Triple O Finance Team through an online platform.
Ash set up an interview with me and obtained all our financial requirements and objectives.
The Initial application was for refinance of our family home for a better interest rate and some debt consolidation. Ash and his Team reviewed our application and provided us with a very competitive interest rate along with the cash back offer.
We recently worked with Triple O Finance for our mortgage needs and what a pleasure it was. Nishant is highly knowledgeable and guided us flawlessly throughout the process. During our initial call he was meticulously prepared and clearly understood our requirements. He walked us through all the options with a clear thought process and helped us choose the best option for our needs.
I recently had the pleasure of working with Nishant and Jill from Triple O Finance to purchase my house, and I couldn’t be happier with the experience. Nishant went above and beyond to ensure a smooth and successful transaction.
By our personal experience, we highly recommend Triple 0 Finance for all your loan and financial needs. Nishant and their team are exceptionally knowledgeable and adept in their fields, offering a wide range of the latest financial products. From the moment we reached out to Nishant Ramavat at Triple O Finance, his proactive and genuine guidance has continuously impressed me. Without Nishant’s assistance, obtaining a home loan and taking a step closer to realizing our dreams would have been much more challenging. Thank you so much Nishant – Manoj & Tejaswini from N.T
I have had the pleasure of working with Triple O finance since a few years. Ash and Jill have always provided a top-notch service. I have recommended them to a few of my family and friends, and they have been very happy with the service as well.
Happy with the service although settlement short falls need to be better anticipated/managed and better awareness of Bank Holidays when requesting attendance to bank branches to make payments. This unplanned activity was quite disruptive to my day as I was with clients, fortunately my manager was able to cover for me to some extent.
