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In some cases, yes. Doctors, specialists, dentists, and other medical practitioners who have recently moved from PAYG employment to a self-employed structure may still be able to access lending without needing two full years of financials.

Depending on the lender and the strength of the application, approvals may be considered using recent invoices, bank credit statements, BAS, short-period income, annualised income, or projected future income.

At Boutique Finance, we understand how medical professionals earn and grow, especially when moving into private practice or specialist work. This allows us to present your income position more clearly to suitable lenders and explore lending options based on your current and future earning capacity.

Eligible medical professionals may be able to access more flexible lending terms than standard borrowers. Some lenders may waive Lenders Mortgage Insurance up to 95% for residential property lending and may offer higher lending appetite for practice property, practice premises, and business-related finance.

The options available will depend on your profession, income, loan purpose, lender policy, and overall financial position. At Boutique Finance, we help identify which lenders and structures may be suitable for your situation.

In some cases, eligible medical and dental professionals may be able to access up to 100% finance for a practice purchase or acquisition without needing to provide additional property security.

This may be possible where the value of the business as an ongoing concern can support the lending application. Approval will depend on the business value, profession type, financial strength, lender criteria, and credit assessment.

Most lenders generally prefer a 20% deposit when buying a home. However, some borrowers may be able to purchase with a smaller deposit depending on their situation, lender policy, profession, and eligibility for certain government schemes.

In some cases, eligible buyers may be able to purchase with as little as 5%, or even 2% through selected government schemes. Some lenders may also offer 90% to 95% lending without Lenders Mortgage Insurance for eligible professionals, including medical practitioners, registered nurses, and other approved occupations.

It is important to note that deposits under 20% may attract Lenders Mortgage Insurance unless a waiver, exemption, or scheme applies. At Boutique Finance, we help you understand your deposit requirements, LMI position, and suitable lender options before you apply.

Commercial lending usually requires a larger deposit than residential lending. In many cases, lenders may require around 20% to 35% deposit, depending on the asset, loan purpose, borrower profile, business strength, and lender policy.

However, lower-deposit commercial lending options may be available in some cases. Depending on the asset type, borrower strength, borrowing capacity, security position, and lender appetite, loans with deposits as low as 10% may be possible.

At Boutique Finance, we help assess your position, compare suitable lenders, and explore commercial lending options that align with your business and finance goals.

Asset finance is a type of business finance that helps you purchase or access assets such as vehicles, equipment, machinery, technology, or tools without paying the full cost upfront. It allows your business to spread the cost over time while using the asset to support operations or growth.

Asset finance can be used for a wide range of business assets, including cars, utes, vans, trucks, medical equipment, dental equipment, machinery, tools, office equipment, IT systems, hospitality equipment, and other industry-specific assets.

A deposit may or may not be required depending on the lender, asset type, business strength, loan amount, and overall financial position. In some cases, eligible businesses may be able to access finance with little or no upfront deposit, subject to lender assessment.

Approval time can vary depending on the asset, loan amount, lender, and the information required. Some straightforward asset finance applications may be assessed quickly, while more complex applications may require additional documents and review.

Asset finance may be available for new businesses, but lender requirements can vary. Lenders may look at your business plan, trading history, cash flow, director profile, asset type, and ability to meet repayments before making a decision.

Development finance is a type of lending used to fund property development projects, including construction, land subdivision, residential developments, commercial developments, and mixed-use projects. It is usually structured around the project cost, end value, borrower profile, and exit strategy.

Development finance may be used for a range of projects, including duplexes, townhouses, apartments, residential subdivisions, commercial buildings, mixed-use developments, and construction projects. The type of funding available will depend on the project, location, feasibility, security position, and lender criteria.

Not always, but having development approval can strengthen your application and give lenders more confidence in the project. Some lenders may consider applications before approval is finalised, depending on the site, project type, borrower experience, and overall development plan.

The amount of deposit or equity required will depend on the lender, project cost, land value, end value, borrower experience, and overall risk profile. Development finance is assessed differently from standard home lending, so it is important to review the project numbers clearly before applying.

Pre-sales may be required for some development projects, especially larger residential or multi-unit developments. However, requirements can vary between lenders and project types. Some lenders may accept alternative exit strategies depending on the strength of the borrower, project feasibility, and market conditions.

First-time developers may be able to access development finance, but lender assessment can be more detailed. Lenders may look closely at the project team, builder experience, feasibility, security position, borrower financials, and exit strategy before making a decision.