📞 1300 YOUR LOAN (968 756) ✉️ loans@mortgagechampions.com.au
📍 Melbourne, Australia · Mon–Sat by appointment
Mortgage Strategist · Mortgage Champions · Melbourne

Borrow smarter,
buy sooner.

A personal mortgage strategy for medicos, IT professionals and first-home buyers — built on policy, not promises.

  • Access to 60+ lenders — banks, non-banks & private
  • LMI waivers up to 95% LVR for medicos & eligible IT roles
  • Free 20-min strategy call · Google Meet · no obligation
Book my free strategy call Meet Sahani →
Sahani Kurwa — Mortgage Strategist at Mortgage Champions
60+
Lenders
Available this week Avg. reply < 2 hours
60+
Lenders
$0
LMI for medicos
95%
Max LVR (eligible)
24hr
Strategy turnaround
— Specialist lending

Three clients I know inside and out.

Most brokers know "the policy." I know which lender will say yes, faster, and on better terms — because I've packaged hundreds of files exactly like yours.

🩺

Medicos

Interns, registrars, GPs, specialists, dentists, vets, pharmacists, optometrists.

  • LMI waived up to 95% LVR
  • Locum & PAYG income packaged correctly
  • HECS & college-fee debt handled smartly
  • Investment lending tailored to career stage
LMI waiver up to $4.5M+
💻

IT Professionals

Engineers, developers, data scientists, consultants — including ABN, contract and equity income.

  • RSUs & bonuses included in serviceability
  • ABN contractors with 6+ months acceptable
  • Visa holders (482 / PR) — multiple options
  • LMI waivers for eligible senior roles
RSU & contractor friendly
🏡

First-Home Buyers

From "I have no idea where to start" to handing you the keys — minus the overwhelm.

  • Home Guarantee Scheme (5% deposit, no LMI)
  • First Home Owner Grant & stamp-duty concessions
  • Parental / family guarantor structures
  • Honest budget — not the bank's max number
FHG · FHOG · HGS strategy
"The bank says no.
I find the lender that says yes."
Sahani Kurwa, Mortgage Strategist
— Sahani Kurwa · Melbourne
— About Sahani

Lending advice that fits your life, not the bank's template.

I'm Sahani Kurwa — a Melbourne-based mortgage strategist with Mortgage Champions, treating your loan as a long-term plan, not a single transaction.

Working with medicos, IT professionals and first-home buyers, I translate lender policy into options you can actually use: industry-specific LMI waivers, contractor and RSU-friendly assessments, parental guarantees, and structures that set up your next purchase from day one.

With 60+ lenders on panel through Mortgage Champions, I match the right lender to your situation — not the one offering the loudest cashback this month. The first call is twenty minutes and there is no cost to you to find out what is possible.

Sahani KurwaMortgage Strategist · Mortgage Champions
Free · No obligation

See exactly what you can borrow — in 24 hours.

Tell me a few details and I'll come back with a clear borrowing range across the 60+ lenders I work with — plus the two or three that genuinely fit your situation.

  • 20-minute call at a time that suits you
  • Honest borrowing power — not just the bank's max
  • Google Meet link in your confirmation email
  • Zero pressure — you choose whether we proceed

Book your free strategy call

30 seconds. Sahani replies within 24 hours.

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— Why work with Sahani

A broker who treats your loan as a long-term plan.

— 01

Strategy first, rate second

Anyone can quote a rate. A strategy unlocks borrowing power, structures your debt, and sets up your next purchase from day one.

— 02

60+ lenders, one application

You tell me your situation once. I do the comparison across the panel — banks, non-banks, and private lenders most clients never see.

— 03

I handle the lender

Paperwork, valuations, follow-ups, conditions, settlement — all run through me. You stay in the loop without becoming a part-time loan officer.

— 04

No cost to you

My service is paid by the lender, not you. Same rate as walking into the branch — but with someone in your corner, not the bank's.

— 05

Annual reviews, automatic

I check your loan against the market every year. If a switch saves you real money, I'll tell you — and run the refinance if you want.

— 06

Plain English, always

Offset accounts, LVR, DTI, serviceability buffers, redraw — explained so you actually understand what you're signing.

— What we work on

Beyond a rate. A strategy.

A good rate matters. A good strategy unlocks borrowing capacity, structures your debt for tax efficiency, and sets up the next purchase before you've finished this one.

  • 01

    LMI waivers

    Borrow up to 95–100% with no lender's mortgage insurance for eligible medicos and senior IT roles. Save $10k–$40k upfront.

    →
  • 02

    Borrowing capacity uplift

    Side-by-side comparison across 60+ lenders. The gap between policies is often $100k–$400k for the exact same applicant.

    →
  • 03

    Refinance & restructure

    Cashback offers, lower rates, or releasing equity for the next property — all modelled before we move a dollar.

    →
  • 04

    Investment lending

    Interest-only structures, offset stacking, ownership structures, and a roadmap for property two, three, four.

    →
  • 05

    First-home schemes

    Home Guarantee Scheme, First Home Owner Grant, stamp-duty concessions — checked, applied for, tracked through to settlement.

    →
  • 06

    Construction & renovation

    Land + build loans, progress payments, and bridging finance to move before you've sold. Sequenced properly.

    →
— Recent wins

Real situations, real outcomes.

Names changed for privacy. Numbers and lender responses are real.

Medico · Carlton

Registrar told "no" by two banks

Locum income, HECS debt, 10% deposit. Two banks declined for "income inconsistency." Felt locked out.

OutcomeMedico-friendly lender, LMI waived at 90% LVR, +$200k borrowing capacity. Settled in 5 weeks.
IT · Brunswick

Engineer with RSU-heavy pay

Base $140k, RSUs $90k, performance bonus. Most lenders ignored the RSUs entirely.

OutcomeLender that includes 80% of 2-year RSU average. Borrowing increased $340k. Bought the Brunswick terrace.
First-home · Footscray

Couple with 5% deposit, feeling priced out

Combined income $165k, $42k saved. Worried LMI would eat their deposit. No idea about gov schemes.

OutcomeApproved under Home Guarantee Scheme: 5% deposit, no LMI, $14k stamp-duty concession. Settled in 6 weeks.
— How it works

Four steps to settled.

Step 01

Discover

A 20-minute call to understand your income, goals, timeline and any complications worth flagging early.

Step 02

Strategise

I model your borrowing across 60+ lenders and walk you through the two or three that genuinely fit.

Step 03

Apply

I prepare the application, package the supporting docs and manage the lender end-to-end. You just sign.

Step 04

Settle & review

I stay on it through to settlement — then check in annually to make sure the loan still fits.

— Client voices

A few clients, recently settled.

★★★★★
As a registrar with HECS and locum income, two banks turned me down before Sahani. She found a lender that waived LMI and lent us $200k more. Settled in five weeks.
DR
Dr R.
Medical Registrar · Carlton
★★★★★
My pay is base + RSUs + a bonus. Most brokers just used the base. Sahani structured it across the right lender and we got the place in Brunswick we didn't think we could afford.
PS
Priya S.
Software Engineer · Brunswick
★★★★★
First-home buyers, no idea where to start. Sahani walked us through the Home Guarantee Scheme, sorted our 5% deposit and held our hand through settlement. Calm and patient the whole way.
JT
James & Tara
First-Home Buyers · Footscray
— Common questions

Before you book, you're probably wondering...

Honest answers to the questions clients ask before our first call.

How much does it cost to use a mortgage broker?
Nothing. My services are paid by the lender as a commission once your loan settles. You'll get the same rate (often better) than walking into the branch yourself — but with someone in your corner, not the bank's.
I have a complicated situation — visa, contractor income, HECS. Can you still help?
Almost certainly yes. 482 visa holders, ABN contractors, locum doctors, RSU-heavy IT salaries, recent immigrants — there's nearly always a lender on my panel of 60+ with policy that fits. The trick is knowing which one.
How is an LMI waiver actually possible?
Lenders classify certain professions as low-risk based on long-term default data — doctors, dentists, vets, pharmacists, and increasingly senior IT, accounting and legal roles. For those professions, several lenders waive lender's mortgage insurance up to 95% (sometimes 100%) LVR. That can save $10k–$40k upfront.
What happens on the first call?
A 20-minute Google Meet conversation. I ask about your income, goals, savings and timeline. You ask anything you want. By the end, you'll know your rough borrowing range, which lender types fit, and whether it makes sense to move forward.
How long does the whole process take?
Pre-approval typically 3–10 business days. Full approval after you find a property is usually 1–3 weeks. From first call to settlement, most clients are done within 6–10 weeks — sometimes faster.
Do you only work with people in Melbourne?
I'm Melbourne-based, but lending in Australia is national. I work with clients across all states — most of it happens by phone, video call and email. Location of the property matters more than where you live.

Let's see what you can actually borrow.

A free 20-minute call. No pressure, no jargon — just a clear sense of your options and what each one really costs.

Phone1300 YOUR LOAN (968 756)→ Emailloans@mortgagechampions.com.au→ Get my strategy call