Hi, I’m Kaitlin, a finance consultant on the Gold Coast, and I help all kinds of people get into the property they want. First home buyers taking the exciting, slightly terrifying first step. Investors building something for the future. Families upgrading, and owners refinancing to a better deal. Wherever you’re at, my aim is to make the process of getting a better loan feel genuinely easy, and to be the encouraging voice in your corner the whole way through.
I work with clients right across Australia, and I take the time to understand your bigger picture, where you are now and where you want to be, before I go looking for the right loan. With access to a panel of more than 60 banks and lenders, I’m not tied to any one of them. I’m tied to finding the option that genuinely fits you.
What I Can Help You With
A Specialty of Mine: Home Loans for Healthcare Professionals
Medicine has been part of my whole life. I grew up in a medical family, so the long shifts, the on-call nights, the rotations and the big goals that come with a career in healthcare are a world I know inside out. That’s why lending for doctors and medical professionals is a real specialty of mine: I understand critical details of the profession, not just the numbers on the application.
It also happens to be an area where the right mortgage broker makes a big difference, because lenders treat medical professionals differently, in the best way. Many offer medico clients benefits that aren’t available to everyone.
The headliner is usually an LMI waiver: eligible doctors and medical professionals can often borrow up to 90%, and sometimes 95%, of a property’s value without paying Lenders Mortgage Insurance (LMI), which can save thousands of dollars.
The rules around who qualifies and with which lender are complex, so if you work in healthcare, I’ll help you:
- Access LMI waivers and medico lending benefits you’re entitled to, with the lenders who offer the best version of them
- Structure finance around real medical income, including base, on-call, overtime, private billings and locum work
- Navigate the realities of a medical career, from HECS/HELP debt and casual contracts to rural rotations and the move from registrar to consultant
From interns and registrars just starting out, to established specialists with private billings, I understand what’s coming next for you, because I’ve lived it up close my whole life.
Home Loan Benefits for Professionals of Every Kind
These profession-based benefits aren’t just for medical practitioners. Lenders extend similar advantages to a range of professional careers, from legal and accounting to other high-earning and secure professions, with the exact benefit depending on the lender and your profession. The catch is that no single bank offers the same deal to everyone, and the policies change constantly.
That’s where I come in. Because I work across a panel of more than 60 banks and lenders, I know which lender to pinpoint for your profession, so you get the benefit your career has earned rather than whatever your own bank happens to offer. Whatever you do for a living, it’s worth a conversation, and I’ll tell you exactly what your profession qualifies for. The aim is to:
- pinpoint the lender whose policy rewards your specific profession, then secure the best version of it.
- access LMI waivers and higher borrowing where your profession qualifies, often with a smaller deposit.
- structure finance around real-world professional income, including bonuses, commissions, private billings, overtime and self-employment.
Rentvesting: Buy Where You Can, Live Where You Want (or Where You’re Posted)
Here’s a strategy more and more smart buyers are using, and one I love helping with. Rentvesting means buying an investment property where it makes financial sense, often somewhere more affordable, while you keep renting in the suburb or city you actually want to live in. You get a foot on the property ladder and start building equity, without putting your lifestyle on hold or stretching for a home you can’t quite reach yet.
It suits more people than you’d think. First home buyers priced out of their dream postcode. Young professionals who want to live near work or the beach but can buy more affordably elsewhere. And it’s a natural fit for medical professionals too. Many junior doctors spend time on rural rotations, earning well and saving hard while they’re out there, then use that position to buy in a strong market rather than wherever work has sent them. Whatever your situation, I’ll help you work out whether rentvesting stacks up for you, and structure the finance to make it work.
What This Means for You
Buying or refinancing a home can feel overwhelming, especially when life is already full. My job is to take that weight off you. My clients would tell you I’m approachable, genuinely invested in their outcome, and the calm, encouraging voice in their corner through the whole process. I love the problem-solving, I love getting to know the people I work with, and there’s honestly nothing better than celebrating with a client when it all comes together and the home is theirs.
Real Choice Across Our Lender Panel
As a finance consultant with Green Finance Group, I can compare home and investment finance from a panel of more than 60 banks and lenders. GFG’s preferred introducer status and long-standing lender relationships mean I can often secure better terms than those advertised publicly, sometimes even with your current bank. Through Green Finance Group, my clients can also be connected with trusted specialists in business and commercial lending, financial planning, and insurance, so whatever your next move, there’s a specialist here for it.
Professional Qualifications
- Certificate IV in Finance & Mortgage Broking
- Diploma of Finance & Mortgage Broking Management (current)
- Mortgage & Finance Association of Australia Member (MFAA)
Whether you’re buying your first place, growing an investment portfolio, or just want to understand your options, I’d love to help. Call or text me, email me direct, or fill in the form below and I’ll get back to you at a time that suits you.
Questions I Get Asked a Lot:
Q: What is rentvesting and is it right for me?
A: Rentvesting means buying an investment property somewhere affordable while you keep renting where you want to live. It’s a way to start building equity without waiting until you can afford to buy in your ideal suburb. It suits first home buyers, young professionals and anyone wanting into the market sooner. I’ll help you work out whether the numbers stack up for your situation.
Q: Can I buy my first home with a small deposit?
A: Often, yes. Between government schemes, grants, and options like rentvesting or medico LMI waivers, there are more paths into the market than most people realise. The right one depends on your circumstances, and that’s exactly what I’ll help you figure out.
Q: I’m a professional (not a doctor). Can I get better home loan deals too?
A: Very likely. LMI waivers and profession-based benefits aren’t limited to medicine. Depending on the lender, they can extend to legal, accounting and a range of other professions. Because I work across a panel of 60+ lenders, I know which one to pinpoint for your profession, so you get the benefit your career qualifies for. Tell me what you do and I’ll tell you what’s available.
Q: Do doctors get LMI waived on a home loan?
A: Yes, in many cases. A range of lenders waive Lenders Mortgage Insurance for eligible medical professionals borrowing up to 90%, and sometimes 95%, of a property’s value, which can save thousands of dollars. Eligibility depends on your profession, the lender and your situation, so I’ll match you to the lender offering the best waiver for you.
Q: I’m a junior doctor heading out for rural service. How do I get into the property market?
A: It can be a great opportunity. Many junior doctors earn well and save hard during rural rotations, then use that position to buy, often through rentvesting, in a strong market rather than wherever work has sent them. I help registrars and residents make the most of that window and get into the market sooner.
Q: How do lenders assess complex or self-employed income?
A: Different lenders assess variable income, self-employment and contract work very differently. Whether it’s business income, private medical billings, locum work or overtime, I know how each lender treats it, so your full earning picture is presented the right way from the start.
Q: Do you only work with clients on the Gold Coast?
A: No. I’m based on the Gold Coast but I work with clients right across Australia. Most of the process happens by phone, email and online, so wherever you are, I can help.
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Home & Investment Loans
