Strategy-first
home loans
for Melbourne.
Cutter & Co is an award-winning Melbourne mortgage broker. We engineer lending decisions that compound over a lifetime starting with your very first home.
Our studio
384 Keilor Rd, Niddrie drop in or we'll come to you.
[ 01 ] About Cutter & Co
Your award-winning
Melbourne mortgage broker.
At Cutter & Co, we don't just claim excellence we prove it. As a multi-award-winning home loan expert, we act as your partners for the long term, getting to know your goals and circumstances before creating a strategy for success.
Our Melbourne-based team brings deep industry experience and personalised service. We draw from dozens of lenders and explore a number of loan options to ensure the borrowing solution you choose is the most suitable one out there.
20+ Years
Experience
Award-winning
Team
98%
Loan approvals
Tailored
Borrowing solutions
Strategic
Financial advice
[ 02 ] What we do
Our financial
services.
Over 20 years' experience in finance and home loans. Whatever kind of loan you're looking for, we access the finance you need to grow wealth through property.
Home Loan & Medico Finance
Access doctor and medico-specific lending policies and pricing.
Learn moreHome Loan Refinancing
Reduce your repayments or unlock equity with a sharper structure.
Learn moreInvestment Loan
Build wealth through property or grow your investment portfolio.
Learn moreFirst Home Buyer
Start your journey with grants, schemes, and the right structure.
Learn moreNext Home Buyer
Upsize to a more suitable property without the usual friction.
Learn moreDevelopment Funding
Flexible solutions to suit your project and drawdown schedule.
Learn moreCommercial Finance
We help facilitate commercial loans across asset classes.
Learn moreConstruction Funding
A loan structured to suit your build with progress payments.
Learn moreSelf-Managed Super Fund
SMSF lending for trustees investing in residential or commercial.
Learn moreProfessional Lending
LMI waivers and policy concessions for eligible professionals.
Learn more[ 03 ] Meet the founder
Chantal Cutter.
Award-winning.
Director & Lead Finance Strategist
Chantal has over 20 years' experience in finance and home loans and is a qualified Credit Adviser & Mortgage Broker. Her aim is to use her expertise, knowledge and industry contacts to provide you with the highest level of professionalism and service.
Bankwest Broker of the Year finalist 2021 & 2022, Connective Empowerment Award 2023, and Broker of the Year VIC 2024.
[ 04 ] How we work
Cutter & Co. values.
Five principles we come back to every conversation, every application, every strategy.
01
Trust
Trust is the cornerstone of every relationship. We act in your best interests, stay transparent, and show up when you need us.
02
Excellence
We strive for excellence in everything from advice to execution delivering exceptional service and results.
03
Empathy
Buying or refinancing is emotional. We approach every interaction with empathy, working to alleviate concerns.
04
Innovation
We embrace new trends and technology to serve clients with more efficient, more effective solutions.
05
Collaboration
Teamwork makes the dream work. We collaborate with clients, lenders, and other professionals toward a shared goal.
[ 05 ] The ecosystem
Our financial
advisory ecosystem.
As you grow and your needs change, the right support matters accountants, planners, risk advisers, strategists, lawyers, and mortgage brokers in one coordinated team.
Accountants
Financial Planners
Risk Advisers
Investment Strategist
Solicitors & Lawyers
Mortgage Broker
[ 06 ] What clients say
Real clients.
Real results.
“Had a terrific experience with Chantal and her team. They worked with my accountant to tailor the right loan, managed the application, and patiently answered numerous questions for my first home loan.”
Kim P
“Chantal and her team worked tirelessly to find the right loan for our needs, and they were very helpful in managing the entire application process. They communicated with me at every stage.”
Nat & Damien B
“Professional, friendly, and incredibly helpful in finding the right loan for my next purchase. Their guidance and communication throughout the process were excellent.”
Laura & Joey S
[ 07 ] Let's talk
Let's map the
best move
for your money.
Book a 30-minute discovery call or drop us a note. We'll listen first, share a lending strategy second and quote rates third.