Refinance Your Home Loan With Specialist Mortgage Brokers For Doctors
Whether you’re looking to reduce your repayments, access equity, consolidate debt or secure a better interest rate, AMA Finance helps doctors and healthcare professionals refinance with confidence.
Benefits
✔ Lower Your Monthly Repayments
✔ Access Equity For Renovations Or Investments
✔ Consolidate Multiple Loans
✔ Competitive Interest Rates
✔ Specialist Mortgage Advice For Healthcare Professionals
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Why Doctors Choose AMA Finance
We’re an independent brokerage with over 25 years of experience helping Australian medical professionals, and we work for you, not the banks.
Whether you’re a GP, specialist, dentist or medical practice owner, we help you refinance with lenders who understand your profession.
Could You Be Paying More Than You Need To?
Many healthcare professionals stay with the same lender for years without reviewing their home loan.
Refinancing may help you:
- Reduce your repayments
- Lower your interest rate
- Access equity
- Consolidate debts
- Improve cash flow
- Pay off your loan sooner
Why Refinance Through AMA Finance?
Better Interest
Rates
We'll compare lenders to find competitive refinancing options.
Lower Monthly Repayments
Reduce your financial pressure with a loan better suited to your needs.
Access Your Home Equity
Use your home's equity for renovations, investments or other financial goals.
Debt
Consolidation
Combine multiple loans into one manageable repayment.
Expert Guidance
Receive personalised refinancing advice from specialists who understand healthcare professionals.
Why Healthcare Professionals Trust AMA Finance
Doctors have unique lending requirements.
We understand:
- Variable income
- Specialist career pathways
- High borrowing capacity
- Medical contracts
- Practice ownership
- Self-employed professionals
Our advisers work with lenders experienced in supporting medical professionals.
Refinancing Could Help You
Frequently Asked Questions
Our brokers compare your current loan with available options to determine whether refinancing could provide financial benefits based on your circumstances.
Many lenders offer products that may suit medical professionals. We help you compare available options and choose one that aligns with your financial goals.
Most refinancing applications are completed within a few weeks, depending on the lender and documentation required.
Yes. We regularly assist practice owners and self-employed healthcare professionals with refinancing options.
Submitting a loan application may involve a credit enquiry. We’ll explain the process and help minimise unnecessary applications.
Ready To See If You Could Save On Your Home Loan?
Our mortgage specialists help doctors and healthcare professionals explore refinancing options tailored to their financial goals.
As time marches on, situations change. Perhaps you’ve changed jobs? Or there’s a new addition to the family? Maybe you would just like a better rate? Maybe it’s the advent of school fees, or perhaps the kids have flown the coop? Or maybe that leaking shower or tired kitchen has just reached the end of its life. A shift in circumstances may mean it is time to revisit your home finances.
For many, the idea of refinancing a mortgage can be daunting. Fees, fixed versus variable interest rates and monthly charges all need to be considered. The right refinanced loan could help you pay off your mortgage faster and for less, clear unhealthy debt or help you upgrade and add value your home, all of which are steps in the right direction.
But where to start? Please contact AMA Finance Brokers on Phone 1800 343 184 to discuss.
COMMON QUESTIONS FOR THOSE THINKING OF REFINANCING
Can I get a mortgage where I pay less than I’m paying now?
With lenders adjusting their rates outside of the reserve bank now is a great time to shop around check that you have the right loan for your needs, and a broker is a great starting point. It will depend what interest rate you’re currently paying, what type of home loan you have (e.g. fixed, variable, interest only, line of credit) and what features you want in your loan.
Speak to a AMA Finance Brokers who can quickly explain your options. Please call on Phone 1800 343 184.
Can I consolidate credit card or other debts into a home loan?
This is one of the reasons many people refinance. The advantage is that you pay a much lower interest rate on a mortgage than for most other forms of debt – e.g. credit cards, overdraft facilities, personal loans etc.
Providing you have sufficient equity in your property, you may be able to consolidate all your debt on a home loan. If you take this option though it is important to make sure you maintain your repayments at their current level or you could end up paying more over a longer period of time.
Speak to a AMA Finance Broker who can quickly explain your options. Please call on Phone 1800 343 184.
How much money can I borrow?
We’re all unique when it comes to our finances and borrowing needs. Get an estimate on how much you could by contacting AMA Finance Brokers who can help with calculations based on your circumstances. Please call on Phone 1800 343 184.
How do I choose the loan that’s right for me?
There are hundreds of different home loans available, so contact a AMA Finance Broker who can recommend the right loan(s) for you. Please call on Phone 1800 343 184.
How often do I make home loan repayments – weekly, fortnightly or monthly?
Most lenders offer flexible repayment options to suit your pay cycle. Aim for weekly or fortnightly repayments, instead of monthly, as you will make more payments in a year, which will shave dollars and time off your loan.
What fees/costs are involved in switching mortgages?
Penalty fees could apply if you’re paying off your current mortgage early, especially if you’re exiting a fixed home loan. But these may be offset by repayment savings when you switch home loans. Contact a AMA Finance Broker to discuss which fees would apply in your circumstances.