We Help Doctors and Medical Professionals Get a Better Home Loan Outcome

Get preferential lender treatment and your loan approved quicker!

Play Video about Helping Doctors

Home Loans for Doctors

For those in the medical profession, getting your degree is a long, expensive, and arduous process. Most lenders understand this, and fortunately, they have made entering the investment property market easier for folks like you. 

Q Financial’s commitment to helping doctors and medical professionals have the home of their dreams is unparalleled. Get the best mortgage broker in Gold Coast to assist you in your specialist home loan application with much more ease — every step of the way.

We help doctors and medical professionals get a better home loan outcome

Get preferential lender treatment and your loan approved quicker!

Why Would a Doctor Be Considered By Lenders As a Low-Risk Borrower?

Lenders view doctors as having fewer financial risks than some other professions for the following reasons:

  • Doctors have a statistical track record of paying their home loans on time.
  • Doctors are known for earning a high income and for being in high demand.

Because of this, doctors and medical professionals are often offered discounted rates and given access to several home loan benefits that are not usually available to the general public. They also enjoy the privilege of quicker home loan approval compared to most borrowers and of being in a position to negotiate a lower rate.

home loans - criteria for waived
home loans - how we are different

What Loan Benefits Are There in Doctor Home Loans?

There are many advantages associated with doctor home loans, including:

  • Special interest rate discounts for the life of the loan
  • Negotiated discounts below the bank’s advertised rate: You can save HUNDREDS in your monthly repayments.
  • Additional cashback offers: Some lenders may offer up to $2,000 in cashbacks to win your business.
  • Annual fee waiver: If your loan exceeds $1,000,000, you may be eligible for an annual fee waiver — this can save you $11,850 on average over the life of the loan.
  • Lenders Mortgage Insurance (LMI) waiver: The most important benefit of all! Doctors get to pay nothing in LMI — for example, you can save on average $17,000 for an $800,000 loan amount when borrowing 90% of the property value.

How Is LMI Waived for Doctor Home Loans?

It is a prerequisite for ordinary borrowers to pay LMI when they have less than 20% deposit. This type of premium is designed to protect the lender if you, for any reason, become unable to repay the loan.

However, some lenders waive this fee for doctors and medical professionals. This is a critical advantage when getting your foot up the property ladder, as LMI fees typically cost thousands of dollars. You owe less money, and you get to have your application approved faster. 

To avail of the LMI waiver, you must comply with the Australian Health Practitioner Regulation Agency (AHPRA) registration requirements and be currently employed as a doctor. Luckily, unlike other professions who also receive an LMI waiver, there are no minimum income requirements for doctors to qualify for an LMI waiver.

What Are the Eligibility Criteria for Home Loans for Doctors?

Doctors often have unusual income structures that are not accepted by all banks. You don’t want to approach a bank that won’t accept your income. Below are the requirements to qualify for a doctor home loan in Australia:

  • Base PAYG salary for permanent part/full time: 100% is accepted.
  • Casual income: 100% is acceptable. Most banks require 12 months with your current employer. However, there are a few banks that can consider casual income with as little as 3 months with your employer.
  • Overtime: A few banks will consider 100%. However, most banks generally only accept 80%. You will need to be with your employer for at least 3 months.
  • Allowances: Depending upon the allowance, 100% can be considered. Otherwise, only 80% is generally acceptable.
  • Invoices paid to your ABN: Two-year tax returns are generally required. However, depending on how long you’ve been getting paid through invoices, a combination of invoices, BAS, interim tax returns, and evidence of your previous income can be accepted.
  • Business income from running your practice: Two-year tax returns are generally required. However, depending on how long you’ve been self-employed, a combination of BAS and interim tax returns can be accepted.

Which Doctors and Medical Professionals Are Eligible?

While almost everyone in the medical profession, including residents, registrars, and even interns, is eligible for a medical professional home loan, certain medical professionals are excluded from the list — they are the ones that banks have identified through statistical analysis of loan portfolios as posing higher risk against their other peers.

Below is a list of professions eligible for doctor home loans and home loans for medical professionals. If your profession is not on the list, talk to a finance broker in Gold Coast for further advice on your options.


Note: The list varies from lender to lender, and only selected lenders offer the aforementioned benefits.

Academic Pharmacist
Audiologist
Chiropractor
Community Pharmacist
Cosmetic Surgeon
Dentist Dermatologist
Ear And Throat Surgeon
Emergency Surgeon
Gastroenterologist
General Surgeon
Heart Doctor
Herpetologist
Immunologist
Junior Medical Officer (JMO/Residency)
Managed Care Pharmacist
Medical Practitioner
Neurologist
Nuclear Pharmacist
Oncologist
Optometrist
Orthodontist
Osteopath
Paediatrician
Pharmacist Clinical Pathologist
Physician
Podiatrist
Radiation Oncologist
Reconstructive Surgeon
Resident Medical Officer (RMO/Residency)
Respiratory/Thoracic Surgeon
Specialist Physician
Surgeon
Urologist
Anaesthesiologist / Anaesthetist
Cardiologist
Clinical Pharmacologist
Compounding Pharmacist
Dental Specialist
Doctor
Emergency Doctor
Endocrinologist
Gastrointestinal Surgeon (Upper/Lower)
GP Registrar
Heart Surgeon
Hospital-Employed Doctors
Informatics Pharmacist
Kinesiologist
Maxillofacial Surgeon
Medical Registrar Medical
Neurophysiologist
Obstetrician
Oncology Pharmacist
Oral And Maxillofacial Surgeon
Orthopaedic Registrar
Otolaryngologist
Pathologist
Pharmacist Clinical Toxicologist
Physiotherapist
Psychiatrist
Radiographer
Regulatory-Affairs Pharmacist
Resident Military Pharmacist
Rheumatologist
Speech Pathologist
Surgical Registrar
Vascular Surgeon
Animal Chiropractor
Cardiothoracic Surgeon
Clinical Pharmacy Specialist
Consultant Pharmacist
Dental Surgeon
Drug Information Pharmacist
Emergency Medicine Specialist
Epidemiologist
General Practitioner (GP)
Haematologist
Hepatologist
House Medical Officer (HMO/Residency)
Intern Doctor (Internship)
Locum Pharmacist
Medical Administrator
Nephrologist
Neurosurgeon
Occupational Therapist
Ophthalmologist
Oral Surgeon
Orthopaedic Surgeon
Paediatric Surgeon (Neonatal/Perinatal)
Pharmacist
Pharmacist Prescriber
Plastic Surgeon
Psychologist
Radiologist
Resident Doctor (Residency)
Respiratory Surgeon
Sonographer
Sports Chiropractor
Thoracic Surgeon
Veterinarian

What Are the Home Loan Benefits Available for Doctors Upsizing or Downsizing Their Home?

As you progress through your career and life stages as a doctor, the need to upsize or downsize your home may arise. Below, we explain what it means to upsize or downsize, and what home loan benefits are available for doctors considering these options.

Upsizing for Doctors

When you decide to upsize, you may seek larger properties with more amenities to support your growing family, increased needs, or lifestyle aspirations. Given your stable and high-income-earning profession as a doctor, you will likely find it easier to secure favourable loan terms for upsizing. The home loan benefits you can enjoy when upsizing include:

  • High Loan-to-Value Ratios (LVR): Certain lenders may allow you to access loans with up to 95% Loan-to-Value Ratio with no Lenders Mortgage Insurance. This reduces the upfront cost and makes it easier to purchase a larger home.
  • Special Interest Rate Discounts: Many lenders offer you interest rate discounts, resulting in significant savings over the loan term.
  • Tailored Loan Packages: Customised loan packages are available to meet your specific needs, making the transition to a larger home smoother and more cost-effective.

Downsizing for Doctors

Downsizing, which means moving to a smaller, more manageable property, is often considered when you approach retirement or when your children have moved out. This transition can free up capital and reduce living expenses. The doctor home loan advantages that come with downsizing include:

  • No LMI on Lower Deposits: Just like upsizing, depending on the lender, you can benefit from no LMI on loans with up to 95% LVR, making it financially viable to move to a smaller home.
  • Flexible Loan Options: Loan packages can be tailored to match your reduced income levels post-retirement, ensuring that repayments remain manageable.
  • Equity Release: Downsizing can unlock equity tied up in your current property, providing additional funds for investment or retirement planning.

How Can Doctors Benefit from Home Loan Refinancing?

Home loan refinancing involves replacing your existing mortgage with a new one, usually to get lower interest rates, better terms, or to access equity in your home. For doctors, this can mean significant savings and more flexible loan options tailored to your unique financial circumstances.

What Are the Home Loan Refinance Options for Doctors?

As a doctor, you have access to specialised refinancing options that come with significant advantages:

  • No Lenders Mortgage Insurance (LMI): Many lenders in Australia offer refinancing options for doctors that allow them to borrow up to 95% of the property’s value without the need to pay LMI. 
  • Special Interest Rate Discounts: You can benefit from lower interest rates through professional packages tailored by financial institutions for medical professionals. These discounts can accumulate into significant savings over the life of the loan.
  • Customised Loan Packages: Lenders provide loan packages specifically tailored for doctors. These packages consider the unique income structure of medical professionals, including variable income, bonuses, and other financial needs. Features may include flexible repayment options, offset accounts, and additional repayment facilities.

How to Refinance a Doctor Home Loan?

Here’s a step-by-step guide to help you understand how to refinance your doctor home loan:

1. Evaluate Your Current Home Loan: Before you start the refinancing process, assess your current home loan to determine if refinancing is beneficial. Consider factors such as your current loan term, interest rate, and any fees associated with your existing mortgage.

2. Understand Your Refinancing Goals: Identify your goals for refinancing. Common reasons include: 

  • Lower Interest Rates: You can secure a more competitive interest rate to reduce your monthly repayments.
  • Changing to Another Loan Type: Depending on your financial strategy, you might want to switch from a variable-rate to a fixed-rate loan or vice versa.
  • Better Loan Terms: You can adjust your loan terms to better match your financial goals, whether that means shorter or longer repayment periods.
  • Access to Home Equity: You can use the equity in your home to fund other ventures, such as investments, renovations, or other financial needs.
  • Debt Consolidation: You can combine multiple debts into one to simplify repayments and potentially reduce interest costs.

3. Gather the Necessary Documents: For an efficient refinancing process, gather the required documentation. This typically includes:

  • Personal identification documents (passport, driver’s license)
  • Proof of income (recent payslips, tax returns)
  • Bank statements and current home loan statements

4. Choose the Right Mortgage Broker: Engaging a mortgage broker that specialises in doctor home loans can significantly enhance your refinancing experience by leveraging their in-depth knowledge of the financial landscape for medical professionals. These brokers understand the unique income structures and financial needs of doctors, allowing them to secure exclusive discounts and preferential treatment from lenders. At Q Financial, we also manage the entire process, from assessing your borrowing capacity to handling all paperwork and negotiations, ensuring a smooth, efficient, and tailored refinancing journey. 

5. Submit Your Application: Once you’ve chosen a mortgage broker and gathered your documents, submit your refinancing application. The mortgage broker will review the provided documents to ensure all necessary information is complete and accurate before submitting your application to the lender.

6. Wait for the Loan Offer and Finalise the Refinancing Process: The lender will assess your financial situation, credit history, and property value. This process may involve a property appraisal and verification of income and employment details. If the lender approves your refinancing application, they will provide a formal loan offer outlining the terms and conditions. You can then review and accept the offer, leading to the finalisation of the refinancing process and the settlement of your new loan.

FAQ on Home Loans for Nurses

While the exact amount may vary depending on each borrower’s situation, doctors in Australia can typically borrow a substantial amount in home loans due to their high and stable income. Most lenders recognise the low-risk nature of doctors’ financial profiles, allowing them to secure loans up to 95% of the property value without needing LMI. This means that, as a doctor, you could potentially borrow up to $950,000 on a $1,000,000 property, benefiting from special interest rate discounts and other exclusive loan features tailored for medical professionals.

The debt-to-income (DTI) ratio gauges your financial health by comparing your total monthly debt obligations to your gross monthly income. It is calculated by dividing your monthly debt obligations (e.g. mortgage payments, credit card bills, and other loans) by your monthly income before taxes. 

For doctor home loans in Australia, the DTI ratio is crucial in the approval process. Lenders use the DTI ratio to determine your ability to manage additional debt. A lower DTI ratio can make you a more attractive candidate for a home loan, potentially leading to better interest rates and terms. However, some lenders may offer more flexible DTI requirements for medical professionals, recognising the typically higher earning potential and job stability in the healthcare sector. This flexibility can make it easier for you to secure a home loan with favourable conditions, even if your DTI ratio is slightly higher than what might be acceptable for other borrowers.

For doctors in Australia who have just started their careers and may not have extensive financial records, tailored options are available to help them secure a home loan. Many lenders recognise newly qualified doctors’ unique position and offer loans requiring minimal financial history. For instance, a junior doctor might be able to borrow up to 95% of the property’s value, benefiting from exclusive interest rate discounts and potentially avoiding LMI, making the path to homeownership more accessible.

home loans - enquire

Enquire Here

Choose a date and time below for a FREE phone call to see how we can help you.

First Home Buyer

ffordable Solutions to Help You Secure Your First Home.

starting a medical practice - ways to finance icon 4

Investment Loan

Smart Financing Options to Grow Your Property Portfolio

First home buyers - icon 6

REFINANCING

OptimiSe Your Mortgage for Better Rates and Terms

home loans - discounts do doctors receive

Mortgage Broker for Doctors vs Banks: Who’s the Better Option?

While it is perfectly okay to approach a bank directly to start your home loan application, they are not under a legal obligation to work in your best interest. Meanwhile, when working with a mortgage broker on the Gold Coast and Coffs Harbour specialising in home loans for doctors, you can rest assured that they will look at your application and work out a favourable outcome — so you can get matched with a home loan solution that fits your situation best.

What You Can Expect: Working with Q Financial

FREE Service

Lenders may eventually charge you a premium for their services. However, you can always count on mortgage brokers to not charge you anything when working with them. That is because they receive a commission from lenders and will not need any sort of compensation from the borrower.

Specialist Advice You Can Trust

Mortgage brokers are governed by the ‘Best Interest Duty’ legislation. Under this law, brokers are mandated to only ever act in your best interests and use their expertise to come up with the best potential result for your home loan application. We know the industry inside out, and our experience with a variety of lenders and financial institutions makes us much more of experts at lending policies and processes than them.

Full-service Support

It is our job to carry out all the legwork on your behalf from start to end, and represent you in a way that will get you the most favourable outcome. We will assess your borrowing capacity, organise your paperwork, and make sure you get approved for a home loan in the most cost-effective and transparent way possible.

Wide Panel of Lenders

We have access to a wide array of lending options, so there should be something out there to fit every individual financial plan. We keep an eye across a large section of the property market, and we compare rates from our wide panel of lenders. We can help you explore those options and make sure you get the right one for you!

Access to Special Discounts and Benefits

Our mortgage brokers are local, so we have a thorough understanding of the local market trends. This knowledge enables us to understand your needs, tailor a loan according to your unique circumstances, and possibly get you a preferential treatment — or even discounts where they apply.

Why Choose Q Financial As Your Mortgage Broker in Gold Coast and Coffs Harbour?

We are passionate about helping people who spend their lives helping others.

We have built significant expertise in helping doctors obtain approval for home loans. We understand which lenders look most favourably on home loans for doctors and how to present a home loan application for a quick and stress-free approval process.

Reviews

Testimonials for Q Financial

Great experience with Q Financial. We have re financed several times over the years and these guys are the best. They went above and beyond to make sure that the process was as smooth as possible. Highly recommend them

review us on
We used Q Financial for our home loan a couple of years ago and again recently to consolidate a personal loan. Always happy with their expertise and service. Highly recommend them
Great experience with Q Financial.They handled our home loan application as well as re-financing.Communication was clear and precise and they got us a package that suited our needs going forward.Whole process was smooth and hassle free and I highly recommend them.
Quinto was very helpful and great at communicating. I am very happy with the service.
BEWAREThis company took all of our information and then GHOSTED us. They knew we were on a short deadline to achieve finance and they strung us a long. Once I uploaded my documents to their site, I haven't heard back from them. I sent texts, left voice message and NOTHING.I am now concerned this is a scam site and my details are stolen.Avoid this company, biggest time wasters.
Michael and Quinto made the process of purchasing a home so much easier. They have been able to make the whole process much more enjoyable and have always made us feel as if we could ask any questions along the way.
Quinto and Michael have been great help with assisting me with securing my first investment property, making the process super easy and stress free, highly recommend!
Quinto and Michael have both been wonderful with helping me sort my first mortgage and home, even going above and beyond to ensure I got my loan with an ethical bank. I highly recommend these legends!
These guys are great ! Every option was offered and advised, so a really informed decision could be made. We have just had to refinance after our 3 year locked in great rate - which they got for us originally, so what could have been a stressful time - it wasn't ! Wouldn't go anywhere else ! Thanks Team !
We have used Q-Financial twice now and won’t go anywhere else. Quinto and Michael make the whole process simple. Thank you guys!
Knowledgeable Guidance:One of the standout features of working with Q-Financial was their deep knowledge of financial matters. They were able to explain complex concepts in a clear and understandable manner, ensuring I was fully informed every step of the way.Overall Satisfaction:I am incredibly satisfied with the services provided by Q-Financial. They not only met but exceeded my expectations, and I would highly recommend them to anyone in need of financial services. Thanks Guys
js_loader
Q Financial - Home Loan Specialists, Coffs Coast
Excellent
5.0
Based on 33 reviews
review us on
Cant recommend Q Financial enough, from start to finish the process was easy and stress free.
Great to deal with, absolutely recommend.
Easy team to work with and moved us through the whole process of refinancing with ease. Very insightful as to what the best product is for certain situations and no question was too hard to answer. Very happy!!
I cannot recommend Q Financial enough - Quinto and Michael were available, professional and friendly throughout the whole process of securing and managing our home loan. These guys will find the best possible deal for you with the banks, and will guide you through the processes step by step. Buying a house is hard, but Q Financial definitely made it easier!
Quinto and his team are just awesome. I first made contact less than two weeks before an auction and he ensured I had pre-approval with plenty of time to spare. Thankfully I was the successful buyer and the communication post auction has been great. I highly recommend Q Financial!
Very professional service. Highly recommend.
Q Financial made the complex process of mortgage application as streamlined and simple as it could be. Their online data collection system is well laid out and easy to follow. Once our application was lodged with our chosen lender, approval was incredibly fast and no further information was requested. Michael and Quinto have been a pleasure to deal with. Highly recommend.
Quinto and the team have been such a great help with getting our finance. They made everything easy for us and great to talk to. Highly recommend them.
Quinto and Michael from Q Financial have been brilliant throughout the whole process of applying for our home loan. I am the sort of person to stress about the tiny detail but their expert advice made it easy to trust in them and we are very happy with the home loan offer they helped us secure.Michael and Quinto went out of their way to make sure all our questions were answered and were always timely and professors in all our dealings with them.Strongly recommend Q Financial for persons seeking a home loan.
js_loader

Why Q Financial?

We have achieved a 97% approval rate compared to a significantly lower industry average for doctor applications.

Home Loan for Medical Professionals:

Hot Tip!

Make sure you get Pre-Approval before making offers on your dream home. Otherwise, you might miss out!

Emma Munro
Emma Munro

left us a 5 star review

Emma Munro
Emma Munro
August 1, 2023

Excellent service and ongoing advice when buying our first home. Absolutely recommended!

Debbie Hayer
Debbie Hayer
July 27, 2023

Quinto and the team were amazing. They answered all our questions and made sure the product we were getting was the right one for our circumstances. Michael kept us up to date with the progress and was so lovely to deal with.

Vicki Baston
Vicki Baston
July 26, 2023

Quinto and Michael have been nothing short of amazing. They are so professional and efficient, they think of everything and take the stress out of the process. I can’t recommend them highly enough. Just perfect 🤩

Aaron Price
Aaron Price
July 18, 2023

We recently used Q financial to purchase our first home. Quinto and Michael are fantastic to deal with. Very professional and personable. They made the process very easy and were there for us every step of the way. I highly recommend Q financial.

buck69ism
buck69ism
July 11, 2023

Quinto and his team not only got me a killer deal but they also recommended awesome an conveyancer and insurance broker. The whole process was fast and easy. Even for a complete novice like me! Such a sick crew to deal with.

Mr E
Mr E
July 10, 2023

I just want to share that the team at Q Financial were fantastic, Quinto and Michael made the process all too easy and drama free, they explained everything in great detail and always took time to answer questions and hold our hands through the process. I first met Quinto I don't mind leaving a review when it's deserved. This is the third time we've used these guys and I can't recommend them highly enough!

Natalie Gallagher
Natalie Gallagher
June 27, 2023

We have been very happy with Quinto. He has been helpful and informative and made the experience of purchasing a first home not so daunting.

Chris Davis
Chris Davis
June 15, 2023

Quinto and Michael were very helpful from the very beginning. Always contactable and explaining information in an easily digestible way. Would recommend to anyone.

Paty Vazquez
Paty Vazquez
recommends
June 5, 2023

I'm so excited I got a loan from a lender who helped me with my loan. It was amazing how I got a loan... I tried a different service but I could never get a loan from that service. Some of them will ask me to fill out a lot of documents and at the end of the day it will not end well. But I'm happy after meeting with KURT. I was able to get my loan of $200,000. now my business is going well and I want you all to know this today because they are fast and 100% reliable. Now I'm paying the loan I got from the company from uni-credit loans all over the world. Get in touch with them and don't waste time with those lenders: send an email to elmamilitansapla@gmail.com via WhatsApp to: +1(217)290-6702

Michael Olivotto
Michael Olivotto
May 3, 2023

The people at Q-Financial are great. I got to work with Michael and Quinto, both are highly professional, knowledgeable and personable. You can tell that they genuinely care about you getting the best possible outcome and work tirelessly to help you out. Highly recommend using them if you want some people that will go the extra mile and take on the extra stress so you can focus on finding your perfect home. Thanks guys for all your hard work!

Cherie Samson
Cherie Samson
April 19, 2023

Michael and Quinto were so great at helping us with our home loan. As first home buyers we has no idea where to start, they were able to help with all our questions, find great rates and get the most for us. The communication was great as they were able to schedule important calls with us, that fit in with our busy lifestyles. They made the process painless. Working with these guys meant I wasn't worried about the home loan so we could focus on finding our first home, which we did!!. Thanks Michael and Quinto!!

Cherie Olivotto
Cherie Olivotto
recommends
April 19, 2023

Michael and Quinto were very helpful throughout the process of applying for a mortgage. They were very knowledgeable and easy to communicate with. Would definitely recommend

Camille Lagana
Camille Lagana
April 18, 2023

Quinto and Michael at Q Financial were exceptional with helping us to purchase our home. They were incredibly prompt and professional, as well as being accomodating and flexible with our busy schedule. Being a doctor, Quinto was able to liase with the bank regarding loans specific for health professionals. I couldn't recommend more highly.

Chris Casey
Chris Casey
April 8, 2023

Best in the business, we are going through the construction loan process and due to the current industry climate have had so many changes in circumstances weather it be building companies going into liquidation or the interest hikes to name a couple these guys have stuck by us and guided us every part of the way cannot recommend them highly enough.

Amanda Casey
Amanda Casey
April 8, 2023

Great service would highly recommend for anything mortgage related! Quinto and Michael are the best in the business and go over and above to help, thank you :)

Liam McIntyre
Liam McIntyre
March 23, 2023

Q goes the extra mile. Great work.

Caleb Howell
Caleb Howell
March 8, 2023

Quinto and the team provided me with top notch service when it was time for refinancing my home. Not only did they guide me through taking over sole title of my property but also securing a great rate. I was grateful that I had a direct line to Quinto and Michael when questions came up opposed to customer service at a big bank. Cheers

kaleha costanzo-jones
kaleha costanzo-jones
January 30, 2023

Q financial was amazing! We were referred to them by a friend after the first broker we used got flaky. They took the time to make sure we understood everything, compared all the best loans and saved us thousands! They were on top of everything for the whole process even when our settlement got moved forward! Michael and quinto are amazing I can’t recommend them highly enough!!

jai gennat
jai gennat
December 13, 2022

Quinto and Micheal from Q Financial made refinancing our mortgage very easy and helped us get a very competitive interest rate. We were kept up to date the whole way through the process. I would highly recommend Q Financial.

Bec Boo Yall
Bec Boo Yall
recommends
December 13, 2022

Quinto and Michael have been fantastic to work with. They were able to simplify financial terms, give well-researched recommendations and advice. I loved how easy it was to communicate with the team throughout the process. I'd highly recommend them to anyone in need of their service.

B BOY
B BOY
December 13, 2022

Quinto and Michael have been excellent to work with. They were able to simplify financial terms and help me understand all the logistics and paperwork throughout the process. Would 100% recommend to anyone looking to buy or refinance.

jasmine preston
jasmine preston
November 3, 2022

Q financial were super helpful and walked us through everything Highly recommend using them

Meg Galloway
Meg Galloway
October 27, 2022

Best in the business. Quinto & his amazing team are outstanding. Such great people to work with. They're communicative at every step of the way and worked hard to get the best outcome for us. I work in financial services and deal with A LOT of brokers. Q Financial are by far the best in the industry. You're in safe hands, highly highly recommended. Unbeatable service. So much more than a typical broker, they checked in with us every step of the way, they do goal setting and Financial plans, they even do annual reviews to make sure you're always in the best product - just the best!

Akinyemi Abiodun Christopher
Akinyemi Abiodun Christopher
recommends
June 5, 2022

Today I am grateful to Brenda William for her great offer and help because she really changed my financial situation with an investment capital of $1,000 I’m making $9,000 profits per week right now. If you need her help, contact her via 👇🏻 Email: brendawilliam784@gmail.com WhatsApp: +1 (754) 400-0330 I advice you shouldn't hesitate to message her.

b mar
b mar
June 3, 2022

Amazing communication by the Quinto and Michael from Q financial. This is the second time we have used their services and will be engaging with them again when required. Professional, punctual and very informative. Highly recommend

ChilloutHakk
ChilloutHakk
June 2, 2022

Down to Earth and clear open lines of communication throughout the whole process of purchase. The team make a great unit. Definitely recommend, couldn’t be happier about the service. 👍🏼👍🏼👍🏼👍🏼👍🏼

Heidi
Heidi
June 1, 2022

Amazing team at Q Financial! Communication is great & and he even made time after hours (once the kids were in bed) to chat with us! Would highly recommend Quinto!

Jackson Simon
Jackson Simon
May 12, 2022

Great experience working with Q Financial. Quinto and the team got our loan approved, assisted us to find a competitive loan from an ethical provider and are fantastic communicators. Would definitely recommend to anyone.

Dave P
Dave P
April 22, 2022
Sophie Holmes
Sophie Holmes
March 29, 2022

As we are first home buyers, Quinto and Michael made the daunting process much easier. They were always available and very responsive with any questions we had. Very happy cusomers and would highly recommend to anyone needing professional lending advice and services. Happy home owners now thanks to the both of them

Jeremy Day
Jeremy Day
February 21, 2022

Quinto and Michael did a fantastic job with very short notice to get finance approved for a very short settlement. They went above and beyond battling through extremely complex business structures and coordinating with the banks.

jennyfromthegym
jennyfromthegym
February 8, 2022

Quinto and Michael were so helpful in providing mortgage advice and helping us achieve our goal of remortgaging an investment property and purchasing our dream house. Highly recommended!

Alicia Matthews
Alicia Matthews
November 25, 2021

We've worked with Quinto and his team to purchase 3 properties so far and intend to use them when we purchase our next property. They make the process so easy and stress free and provided a service that is individualised and suited to our needs. As a Trainer in adult education, I don't really have flexibility in my work day for meetings, but Quinto had always been flexible to suit my schedule. I would highly recommend Q Financial to anyone looking to purchase a property. They are awesome!!

Julia Ehemann
Julia Ehemann
November 15, 2021

Quinto & Team are informative, prompt, professional & dedicated. Can recommend highly !

Joseph Bailey
Joseph Bailey
November 10, 2021

Quinto and his team did an absolutely outstanding job in helping us secure a home loan and buy our first property. Professional, experienced and so easy to communicate with. Couldn't recommend them enough!

Melanie Singh
Melanie Singh
November 8, 2021

As first home buyers, Q Financial made the entire process of getting a loan straight forward. They accommodated our needs, were knowledgeable and professional. We highly recommend their service!!

Tim Wilson
Tim Wilson
November 1, 2021

Had such a great experience with Quinto and the team at Q Financial. We bought our first property with them after being recommended by a friend. They guided us through every step of the process and can’t recommend them enough.

Sara Schepis
Sara Schepis
recommends
October 4, 2021

Quinto and Michael were extremely helpful when assisting my partner and I to buy our first home. We are based in Melbourne so they organised zoom meetings to find out our needs and talked us though our options. If I ever had any questions, Michael was only one call away. They went above and beyond other brokers I had spoken with previously. Thanks Guys!

Sara Schepis
Sara Schepis
October 4, 2021

Quinto and Michael were extremely helpful when assisting my partner and I to buy our first home. We are based in Melbourne so they organised zoom meetings to find out our needs and talked us though our options. If I ever had any questions, Michael was only one call away. They went above and beyond other brokers I had spoken with previously. Thanks Guys!

scott neale
scott neale
September 16, 2021

Q financial were such great mortgage brokers to deal with. From start to finish the whole process was very streamline and both Quinto and Michael made us feel very comfortable with their extensive knowledge of the industry, by explaining every daunting detail thoroughly, and making each step of the way easy to understand. Will definitely be working with them for future investments and refinancing. Thanks a lot guys!

Matthew Collins
Matthew Collins
June 16, 2021

Quinto and the team made the process of buying my first place really easy. Great communication and enabled me to borrow with an ethical bank that doesn't invest in fossil fuels. Highly recommended.

Linda Dalton
Linda Dalton
May 11, 2021
ariel tobey
ariel tobey
May 2, 2021

Great experience with Q Financial. We have re financed several times over the years and these guys are the best. They went above and beyond to make sure that the process was as smooth as possible. Highly recommend them!

Dylan Smith
Dylan Smith
January 25, 2021

Quinto & Michael were so helpful, were always ready to look after us and explained the process to my partner and i every step of the way. They helped us achieve our goal securing a home loan and i couldn't recommend their service more!

Lewis White
Lewis White
recommends
September 21, 2020

Quinto made what was a tedious process talking to banks into something easy and understandable. My partner and I will be talking to Quinto for any future loan requirements. Thanks for all your help Quinto!

Anthony Laye
Anthony Laye
recommends
February 17, 2020

What A Service! Quinto made what could be a daunting and complex process like a walk in the park. We had a few challenges that we were up against (self employed, time & low deposit) and Quinto came up with a solution that worked. Thank you for getting our family in our own home. 5 STARS ⭐️⭐️⭐️⭐️⭐️

Anthony Laye
Anthony Laye
February 17, 2020

Quinto's service is second to none. We were looking for finance faced with 3 major challenges (self employed, short time frame, low deposit). Quinto found an amazing solution and turned what was a stressful situation in to an easy process. I would encourage anyone looking for finance to give Quinto a call..... AMAZING!

Nicola Laye
Nicola Laye
February 17, 2020

We recently purchased our first home in Australia, I can't thank Quinto enough it was a smooth, hassle free process, Quinto explained everything clearly. Being self-employed a home loan can be hard to achieve but he helped guide us through with efficiency and a calm approach. I would 100% recommend Quinto to anyone looking for finance. Thank you Quinto..

Brian Grose
Brian Grose
recommends
October 22, 2019

Quinto is always willing to work with you to get you the best deal for your situation. He's always easy to talk to and a pleasure to deal with, plus he's one of the most genuine people you'll meet! Thanks again!

Adam Armitage
Adam Armitage
recommends
September 29, 2019

Great guy and great at what he does