AHK Finance - Medical Income Experts

Making it easy for medical professionals to purchase property across Australia

2024 Finalist - Broker of the Year - Specialist Lending | Australian Mortgage Awards

2024 Finalist - Broker of the Year - Specialist Lending | Australian Mortgage Awards

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More than mortgages

At AHK Finance, we assist professionals in healthcare and other sectors with purchasing real estate in Australia, laying the groundwork for long-lasting wealth across generations.

Our commitment extends beyond obtaining the optimal mortgage solution. We offer comprehensive digital property reports, expert advice when placing offers on property, and regular reviews of our clients' interest rates to ensure they remain competitive month after month.

More than mortgages

At AHK Finance, we assist professionals in healthcare and other sectors with purchasing real estate in Australia, laying the groundwork for long-lasting wealth across generations.

Our commitment extends beyond obtaining the optimal mortgage solution. We offer comprehensive digital property reports, expert advice when placing offers on property and regular reviews of our clients' interest rates to ensure they remain competitive month after month.

Helping medical professionals climb the property ladder and protect their income and wealth

Hospital Doctors in training

You're looking to buy your first home or invest in your first property while you progress through training. For trainees from PGY 1 - PGY 8 we can help you use your future medical income from two years ahead of your state award to help you achieve your property goals. Combine this with 5% deposit, no lenders mortgage insurance (LMI) and discounted interest rates.

General Practice Trainees

You're looking to buy your first home or invest in your first property while you progress through GP training. Out of all doctors, this stage of medical training is the hardest to borrow and get ahead. Speak directly with Michael to navigate this period as timing and strategy becomes crucial to help you achieve your property goals.

Locum Doctors (PAYG or ABN)

Locuming is a good way to make some more income and have flexibility. Unfortunately, banks don't see it that way and it can be harder to get approved due to the short nature of your contract. Regardless if your current locum contract is as an employee or paid via your ABN, if you're looking to purchase property we'll get your mortgage approved.

Recently fellowed Specialists (GP & Non GP)

Now that you have achieved fellowship and the hard work is done, your income has dramatically increased so you want to purchase property and accumulate wealth. Regardless, if you have a new consultant contract or now earning private income via your ABN, we'll get your mortgage approved. Short term ABN income (1-12 months) is where we excel.

Established Specialists (GP, Non-GP & Dental)

You're an established medical professional and want to move up the property ladder to get ahead smarter. Your income is steady and you're looking to upgrade to your forever home or purchase investment properties. As medical lending experts, we have access to exclusive low 5% deposit loans, waived Lender's Mortgage Insurance (LMI) and discounted interest rates.

Doctors on Maternity Leave

If you are on maternity leave from your regular hospital employee role or your regular sole trader private income work as a specialist (GP or non-GP), we can potentially still assist with helping you obtain a mortgage to purchase a new home. We have successfully helped clients do this. Please Book a Call to see if we can assist.

Who we assist

Hospital Doctors in training

You're looking to buy your first home or invest in your first property while you progress through training. For trainees from PGY 1 - PGY 8 we can help you use your future medical income from two years ahead of your state award to help you achieve your property goals. Combine this with 5% deposit, no lenders mortgage insurance (LMI) and discounted interest rates.

General Practice Trainees

You're looking to buy your first home or invest in your first property while you progress through GP training. Out of all doctors, this stage of medical training is the hardest to borrow and get ahead. Speak directly with Michael to navigate this period as timing and strategy becomes crucial to help you achieve your property goals.

Locum Doctors (PAYG or ABN)

Locuming is a good way to make some more income and have flexibility. Unfortunately, banks don't see it that way and it can be harder to get approved due to the short nature of your contract. Regardless if your current locum contract is as an employee or paid via your ABN, if you're looking to purchase property we'll get your mortgage approved.

Recently fellowed Specialists (GP & Non GP)

Now that you have achieved fellowship and the hard work is done, your income has dramatically increased so you want to purchase property and accumulate wealth. Regardless, if you have a new consultant contract or now earning private income via your ABN, we'll get your mortgage approved. Short term ABN income (1-12 months) is where we excel.

Established Specialists (GP, Non-GP & Dental)

You're an established medical professional and want to move up the property ladder to get ahead smarter. Your income is steady and you're looking to upgrade to your forever home or purchase investment properties. As medical lending experts, we have access to exclusive low 5% deposit loans, waived Lender's Mortgage Insurance (LMI) and discounted interest rates.

Doctors on Maternity Leave

If you are on maternity leave from your regular hospital employee role or your regular sole trader private income work as a specialist (GP or non-GP), we can potentially still assist with helping you obtain a mortgage to purchase a new home. We have successfully helped clients do this. Please Book a Call to see if we can assist.

Property Investment

Property investing has never been tougher with current lending regulations. We can assist with strategies to increase your borrowing power to enable multiple property investment purchases

Own your future

We take a big-picture look at your financial life, starting with understanding your long-term goals. We then create a lending strategy that considers your cash flow and protects your assets and lifestyle now and in the future.

1. Plan ahead

Develop a long-term mortgage strategy and structure your loans correctly to maximise your borrowing power, protect your assets and benefit from tax advantages.

2. Get the right loan

We save you time, money and headaches with access to an exclusive and extensive selection of loan options and fast approval processes.

3. Know your property portfolio

We can map out your property portfolio and provide you online property portfolio tools so you are clear and confident about your financial choices.

4. Protect your income and lifestyle

Be prepared for life’s curve balls with the right level of insurance to protect your income and lifestyle.

5. Have the right asset structure

With a long-term, strategic approach, scale your portfolio using the right property investment structure.

6. Pay off your mortgage sooner

Pay your home loan sooner and grow your wealth simultaneously by converting your bad debt into good debt through debt recycling.

BOOK A CALL

1. Plan ahead

Develop a long-term mortgage strategy and structure your loans correctly to maximise your borrowing power, protect your assets and benefit from tax advantages.

2. Get the right loan

We save you time, money and headaches with access to an exclusive and extensive selection of loan options and fast approval processes.

3. Know your property portfolio

We can map out your property portfolio and provide you online property portfolio tools so you are clear and confident about your financial choices.

4. Protect your income and lifestyle

Be prepared for life’s curve balls with the right level of insurance to protect your income and lifestyle.

5. Have the right asset structure

With a long-term, strategic approach, scale your portfolio using the right property investment structure.

6. Pay off your mortgage sooner

Pay your home loan sooner and grow your wealth simultaneously by converting your bad debt into good debt through debt recycling.

About us

We know you're focused on building your career and don't have time to research loans and negotiate with lenders. We take the load off you by getting you the best loan to suit your profession and income. You aren't dealing with a big institution with a faceless call centre. We're a small and agile team that will get you the best outcome. We're more than a mortgage broker. We're a wealth-building partner.

Meet our team

Michael - Director/Mortgage Specialist

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Brent - Insurance Specialist

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Support Team

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Some of the lenders we work with

Get the right loan, climb the property ladder and look ahead to financial freedom

We do the strategic thinking and heavy lifting to get the best loan and insurance to help you build and protect your wealth.

Quick apply now (15-20mins)BOOK A CALL

Get the right loan, climb the property ladder and look ahead to financial freedom

We do the strategic thinking and heavy lifting to get the best loan and insurance to help you build and protect your wealth.

Quick apply now (15-20mins)BOOK A CALL

© 2024 AHK Finance Pty Ltd

AHK Finance Pty Ltd is a Corporate Authorised Representative of Australian Credit License No 387025. Any advice on this site is general advice only and does not take into account the objectives, financial situation or needs of any particular person. It does not represent legal, tax, or personal advice and should not be relied on as such. You should obtain financial advice relevant to your circumstances before making any decisions.