Specialist finance and home loans for medical professionals
Helping you hit personal and professional goals while you practice.
If you’re a medical professional, you already qualify for fast loan approval
and preferential treatment.
Fast, flexible finance for those on the frontline
Delivering easy, accessible finance and home loans for
medical professionals is what we do best.
- Access the lowest possible rates?
- Borrow more (up to 100%)?
- Avoid Lenders Mortgage Insurance (LMI) and other fees?
- Ditch the heavy paperwork?
Exclusive opportunities for our most essential workers
Access special rates and waivers available only to medical professionals.
We help medical professionals get from application to approval in less than two weeks
With expert advice and support delivered to you at every step
The special treatment you deserve
Financial services for doctors and health workers
Property investment loans
Self Managed Super Fund (SMSF) Loan
Finance solutions – delivered to you
Working through piles of paperwork and industry jargon while providing care can feel near impossible.
With a busy schedule, the money you need for your new home or business venture may feel miles away.
We can help.
At Violeta Finance, we do the legwork to break down barriers and find you a
flexible, fit-for-purpose loan – fast.
- No time wasted
- No complicated processes
- Just an easy, streamlined and supportive service that helps you reach your goals
We give you options
Tap into our trusted panel of 40+ lenders
Tap into the possibilities from more than 40 different banks and lenders with just
one friendly consult.
Unlike the big banks, we’re loyal to you.
That means we research every option from a broad group of lenders and present you with the best possible finance solution.
Empowering health professionals
From Melbourne’s Mornington Peninsula and Australia-wide
We’re based in Melbourne’s southeast with neighbouring suburbs Frankston and Seaford, the Bayside area and the Mornington Peninsula. But we’re not exclusive.
Wherever you live in Australia, we can help you using our phone and online video conference service.
Our office is accessible for people with mobility considerations and service animals are more than welcome. We welcome children, bubs, and prams into our office. Or we can come to you.
Support to suit your busy schedule
Looking for a flexible broker who can accommodate shift work or a busy schedule? No problem.
We offer quick and easy virtual catch ups and electronic documentation. We have dedicated evening and weekend hours allocated to medical professionals working busy schedules.
So, whether it’s a Saturday Zoom chat or quick phone call between patients, we can work around you.
9 years | 557 clients | 219 businesses supported
And we’re just getting started
Broker. With a friendly, straight-as-an-arrow approach, he’ll help you get the loan you need without any finance jargon or stress.
If you’re a Melbourne or Mornington Peninsula local you may know Carl as the Finance Expert and co-contributor from Peninsula Kids Magazine or the presenter of the finance segment for the Dream Home Movement radio show and podcast.
- Medical finance specialist
- Member of the Mortgage & Finance Association of Australia (MFAA) — which operates on a strict ethical and professional code of practice
- Appointed to the MFAA SOLD Advisory Panel, helping establish practices of social responsibility, inclusion, diversity, and wellbeing within the industry
As a qualified mortgage broker, Karen is all-knowing when it comes to loan and lender policies. She’ll be able to tell you exactly where your application is at any given time.
As Finance Expert and co-contributor for Peninsula Kids Magazine and the host of the popular lifestyle and renovation radio show and podcast, Dream Home Movement, Jo delivers the what’s what of loans and finance in bite-sized chunks for busy professionals and families.
Ready when you are.
How it works
We keep our process simple, so you can focus on what matters – delivering care to your patients.
Book a chat with Carl. He’ll find out about your goals and current circumstances.
(Psst! You can sit this part out.)
Our professional mortgage broker Carl will scour our panel of 40+ banks and lenders (including some the general public doesn’t have access to) to find the most competitive deals that fit your needs.
We’ll then present you with a personalised recommendation plan (AKA, the Game Plan).
Pick your loan
Once you’ve chosen your lender from your plan, we’ll work with them to package, sign, and lodge your application. We’ll liaise with other stakeholders and nudge the banks to get the deal done.
We’ll let you know you’ve been approved and everything's gone smoothly. *Cue metaphorical confetti!*
We’ll stick by you till the process is done so you’ll know it’s all gone through smoothly. Then it’s time to pop the champagne and celebrate!
Why choose us?
We know the ins and outs of the health and medical profession. Our relationship with lenders allows for more options for you, delivered faster. And, we use our knowledge and connections to bring fast, flexible finance solutions to frontline workers.
But it’s more than that.
We understand your life gets busy. Sometimes so busy you sacrifice your own needs and personal goals.
We also know the work you do helps countless people improve their lives.
Now we want to help you.
- Timely and swift approvals
- Low fees, no deposit
- Finance for medical professionals – medical home loans and products
We keep our fingers on the pulse
Our team is qualified through some of Australia’s leading accredited associations and undergoes regular personal training and development.
- Members of the Mortgage & Finance Association of Australia (MFAA) who deliver strict ethical and professional code of practice
- Appointed to the MFAA SOLD Advisory Panel, helping establish practices of social responsibility, inclusion and wellbeing with the industry
- Authorised Credit Representative (No. 457101) of Buyers Choice Licencing Pty Ltd Australian Credit Licence number 509484
Did we mention we’re award-winning?
Ready to finance your future?
Ask a question, explore the possibilities – our medical finance experts are here to help.
Book in for a free, no-obligation chat.
How do home loans for medical professionals differ from other home loans?
circumstances. These loans usually offer more favourable terms, such as higher loan amounts, lower interest rates, fee waivers and flexible eligibility criteria.
Why do medical professionals get special rates on home loans?
How difficult is a home loan application for doctors and other medical professionals?
How much can a medical professional borrow?
What types of medical professionals get preferential rates?
Can I use my super to buy property?
What is an SMSF loan?
What is an LMI waiver for health professionals?
What is a mortgage broker?
Do you charge a fee?
However, there are some unique situations where we do charge our customers a fee. This is for situations that require ongoing credit advice or specialised services to achieve the outcome the customer requires.
For example, when a customer requires a specialised type of lending that requires extra processes and expertise to have the loan approved, we may charge a credit advice fee.
We’ll always avoid charging a fee wherever possible as our goal for each and every customer is to help them obtain finance as quickly and easily as possible. However, if you do require a service that’s subject to a fee, we will always advise you upfront and provide you with a personalised quote so you can make an informed decision moving forward.
How do you get paid?
The commission we get paid by the banks is not always the same, but the differences are very minor (often between 0.05% and 0.10%). The commission we’re paid doesn’t sway our decision-making process in any way when it comes to presenting you with your home loan options.
Regardless of the commission, our goal is to find and match you with the absolute best home loan for your requirements. This isn’t just our passion, but also our legal responsibility.
That’s right, as your broker, we’re both morally obligated and legally required to act in your best interests at all times. This is not the case if you went directly to your bank for your lending requirements. Banks don’t have the same legal obligations as brokers and don’t have to act in your best interests.
How does applying for a loan work?
- Your initial consultation with our mortgage broker to discuss your finance goals and circumstances
- From there, we’ll research your options and present you with a personalised recommendation plan.
- Once you’ve chosen a lender from your plan, we’ll prepare and submit your application.
- From there, we’ll let you know once your loan is approved and everything’s gone smoothly.
- Settlement, the lender releases the money to finalise the purchase.
Are you owned by a bank?
I don’t live in Mornington Peninsula. Can you still help me?
We can meet with you virtually no matter where you live across Australia. We also offer a virtual service to Australian citizens living overseas.
What information will I need to apply for a home loan?
Download our FREE DOCUMENT CHECKLIST
I want to apply for practice finance, what’s the process?
How long will it take for my loan to be approved?
Where do I start the home buying process?
This is where we chat through your goals and complete a quick ID check, this process usually takes less than 20 minutes.