Mortgage specialist for private-practice doctors, Pty Ltd directors and law firm partners — specialist tier-2 + alt-doc paths when the big-4 carve-out doesn't apply.

Classic self-employed GP case. Big-4 carve-out doesn't apply (no longer PAYG); standard medico package fails — big-4 servicing reads only the $100k director salary, stress-tested 5.5% gives ~$580-650k borrowable, unworkable. Halo Loan works with 3 specialist lenders (MA Money / Liberty / Pepper) that accept accountant-signed 'distributable retained profit' declarations, counting the full $400k at 80% add-back for $320k servicing input. That lifts borrowable to ~$1.7-1.85M. BOQ Specialist also writes self-employed doctors, rate 0.2% above MA Money but LVR cap up to 85%. Shortlist all three, model NPV — MA Money typically lands cheapest. Bring 2 years' company financials + ITR + accountant letter to pre-check.

First 12 months as partner is the toughest window — big-4 carve-out gone (no longer PAYG), alt-doc lenders want ABN ≥ 1 year + 6 months' bank evidence. At 8 months you're under the alt-doc threshold. Three workarounds: (1) Wait — apply at 12 months for the most stable path. (2) Transitional bridging — MA Money and Liberty accept 8-11 month partner cases with partnership agreement + 6 months' partnership bank statements + 2 years' associate PAYG history pre-promotion. Rate +0.5%, LVR cap 75%. (3) Personal PAYG carry-over + Pty Ltd trust structure — if you can lock a PAYG-based application within 2 months of promotion, the carve-out can still apply. Bring partnership agreement + promotion date + 2 years' pre-promotion ITR to pre-check.

CA ANZ + 3 years' ABN + $180k tax = strong alt-doc tier. CA ANZ / CPA / IPA membership itself reads as income stability for alt-doc lenders, rate loading runs 0.2-0.3% below standard self-employed. Of the lenders Halo Loan works with: (1) Pepper alt-doc — 6 months' bank statements + 1 year ITR + CA ANZ certificate, LVR 80%, rate 6.4-6.6%, ~$1.05-1.15M borrowable (stress-tested 5.5%). (2) MA Money — tighter requirements but 0.2% sharper rate, needs 2 years' ITR. (3) Liberty BAS-only — 4 quarters of BAS evidence, LVR 80%, rate 6.5-6.7%, skips last year's ITR — good when recent year's declared profit is depressed. NPV all three to choose.

First-year resident is technically PAYG hospital employee — strictly speaking, the route is Fingertips Finance's 'professional LMI waiver' desk (CBA Medico / Westpac Healthcare Premier). But CBA requires 1 year post-registration, Macquarie 2 years — first-year residents fall outside both. The only lender that takes first-year residents is BOQ Specialist — apply from AHPRA registration day, 90% LVR no LMI, no post-registration tenure requirement. BOQ Specialist sits in 'specialty tier-2' (medico specialist lender), Halo Loan's territory — so first-year resident edge cases (PAYG but kicked out of big-4 carve-out) fit Halo Loan best. Trade-off: rate runs 0.2-0.3% above CBA / Macquarie, but residents typically refinance in 2-3 years — usually nets positive.

Simultaneous applications trigger lender 'commercial + residential serviceability stack' tests, declined by most lenders. But your HNW dentist + Pty Ltd structure has 3 paths: (1) Sequence separately — equipment finance first (commercial finance, 5-7 days), owner-occupier 3 months later (residential alt-doc) — safest. (2) Single lender dual-purpose servicing — BOQ Specialist runs a medico dual-purpose package that takes dentist cases, blending commercial clinic + residential into one borrowing capacity. Rate +0.3-0.5%. (3) Structural restructuring — owner-occupier in personal name (CGT exemption preserved) + Pty Ltd takes equipment loan (commercial) + trust holds investments. Cross-entity servicing optimisation. We map the structure + NPV all 3 paths at pre-check.