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Specialist finance for engineers and medical professionals.

The challenges

Sound familiar?

Engineers and medical professionals are high earners whose income rarely fits a standard lending template. The problem is often how the position is read.

Why these two industries

I already work in your world.

I spent years inside the banks with medical, construction and professional-services clients, seeing how their files were read by credit. Engineers and medical professionals share the same problem: strong income in an unusual shape, and very little spare time.

Lending benefits

Built for specialists

Eligible professionals, selected lenders, criteria apply. Policies change. Subject to credit approval.

Engineer lending benefitsMedical lending benefits

My lender network

Our lending panel

I compare how selected lenders read day rates, rosters, locum income, private billings, allowances and firm or practice financials.

AMP Bank - Charter Point Finance lender panel
ANZ - Charter Point Finance lender panel
Australian Mutual Bank - Charter Point Finance lender panel
Auswide Bank - Charter Point Finance lender panel
Bank of China - Charter Point Finance lender panel
Bank of Melbourne - Charter Point Finance lender panel
BankSA - Charter Point Finance lender panel
Bankwest - Charter Point Finance lender panel
Better Choice - Charter Point Finance lender panel
Better Mortgage Management - Charter Point Finance lender panel
Bluebay Home Loans - Charter Point Finance lender panel
Commonwealth Bank - Charter Point Finance lender panel
Connective Advance - Charter Point Finance lender panel
Connective Bridge - Charter Point Finance lender panel
Connective Complete - Charter Point Finance lender panel
Connective Elevate - Charter Point Finance lender panel
Connective Reverse - Charter Point Finance lender panel
Connective Horizon - Charter Point Finance lender panel
Connective Select - Charter Point Finance lender panel
Connective Solutions - Charter Point Finance lender panel
Deposit Power - Charter Point Finance lender panel
Firefighters Mutual Bank - Charter Point Finance lender panel
Firstmac - Charter Point Finance lender panel
Gateway Bank - Charter Point Finance lender panel
Granite Home Loans - Charter Point Finance lender panel
Health Professionals Bank - Charter Point Finance lender panel
HomeStart Finance - Charter Point Finance lender panel
IMB Bank - Charter Point Finance lender panel
ING - Charter Point Finance lender panel
Keystart - Charter Point Finance lender panel
La Trobe Financial - Charter Point Finance lender panel
Macquarie Bank - Charter Point Finance lender panel
ME Bank - Charter Point Finance lender panel
MyState Bank - Charter Point Finance lender panel
NAB - Charter Point Finance lender panel
Newcastle Permanent - Charter Point Finance lender panel
OwnHome - Charter Point Finance lender panel
P&N Bank - Charter Point Finance lender panel
People's Choice - Charter Point Finance lender panel
Pepper Money - Charter Point Finance lender panel
RedZed - Charter Point Finance lender panel
Resimac - Charter Point Finance lender panel
St.George - Charter Point Finance lender panel
Suncorp Bank - Charter Point Finance lender panel
Teachers Mutual Bank - Charter Point Finance lender panel
ubank - Charter Point Finance lender panel
UniBank - Charter Point Finance lender panel
Westpac - Charter Point Finance lender panel
AMP Bank - Charter Point Finance lender panel
ANZ - Charter Point Finance lender panel
Australian Mutual Bank - Charter Point Finance lender panel
Auswide Bank - Charter Point Finance lender panel
Bank of China - Charter Point Finance lender panel
Bank of Melbourne - Charter Point Finance lender panel
BankSA - Charter Point Finance lender panel
Bankwest - Charter Point Finance lender panel
Better Choice - Charter Point Finance lender panel
Better Mortgage Management - Charter Point Finance lender panel
Bluebay Home Loans - Charter Point Finance lender panel
Commonwealth Bank - Charter Point Finance lender panel
Connective Advance - Charter Point Finance lender panel
Connective Bridge - Charter Point Finance lender panel
Connective Complete - Charter Point Finance lender panel
Connective Elevate - Charter Point Finance lender panel
Connective Reverse - Charter Point Finance lender panel
Connective Horizon - Charter Point Finance lender panel
Connective Select - Charter Point Finance lender panel
Connective Solutions - Charter Point Finance lender panel
Deposit Power - Charter Point Finance lender panel
Firefighters Mutual Bank - Charter Point Finance lender panel
Firstmac - Charter Point Finance lender panel
Gateway Bank - Charter Point Finance lender panel
Granite Home Loans - Charter Point Finance lender panel
Health Professionals Bank - Charter Point Finance lender panel
HomeStart Finance - Charter Point Finance lender panel
IMB Bank - Charter Point Finance lender panel
ING - Charter Point Finance lender panel
Keystart - Charter Point Finance lender panel
La Trobe Financial - Charter Point Finance lender panel
Macquarie Bank - Charter Point Finance lender panel
ME Bank - Charter Point Finance lender panel
MyState Bank - Charter Point Finance lender panel
NAB - Charter Point Finance lender panel
Newcastle Permanent - Charter Point Finance lender panel
OwnHome - Charter Point Finance lender panel
P&N Bank - Charter Point Finance lender panel
People's Choice - Charter Point Finance lender panel
Pepper Money - Charter Point Finance lender panel
RedZed - Charter Point Finance lender panel
Resimac - Charter Point Finance lender panel
St.George - Charter Point Finance lender panel
Suncorp Bank - Charter Point Finance lender panel
Teachers Mutual Bank - Charter Point Finance lender panel
ubank - Charter Point Finance lender panel
UniBank - Charter Point Finance lender panel
Westpac - Charter Point Finance lender panel

Experience

Why specialists work with me

Nine years in finance, mostly inside the banks, working with medical, construction and professional-services clients, plus public-practice accounting experience.

On the engineering side: years working with civil and construction clients and currently studying engineering.

$200M+

in lending settled across commercial and SME clients during a banking career

170+

finance approvals delivered for small businesses in under five years

Process

How it works

  1. 01 Scope

    A 15-minute call. We talk through what you're trying to achieve, in what order, and what you already have in place. If I'm not the right fit, I'll say so.

  2. 02 Analyse

    I read your position, rebuild assessable income from your payslips, contracts, billings or financials, and show you the calculation. You see each assumption, not just a number.

  3. 03 Design

    I shortlist selected lenders whose current criteria fit, and set out the structure and the sequencing of purchases and facilities. The trade-offs are shown in plain numbers.

  4. 04 Deliver

    I manage the submission through to settlement and handle the lender questions along the way. After settlement I review the position with you each year.

Construction work underway inside an engineering project

Put the real numbers in front of you.

FAQ

Questions, answered

Get in touch

Put the position in front of me.

Send the basics and I will come back with the next step.