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Cross-Collateralisation: What Doctors Should Know Before Linking Loans
A plain-English look at cross-collateralisation, how linking loans across properties works, and why doctors building a portfolio should understand it early.
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You may already know there are areas of your finances that could be improved. The harder part is knowing where to focus first.
How confident are you that your finances are set up properly?
That's a great place to start. See how strong your financial foundations really are - and whether there are any blind spots worth addressing.
GET MY WEALTH CONFIDENCE SCORE →You're not alone. See which areas are in good shape, where the gaps may be and what deserves your attention first.
GET MY WEALTH CONFIDENCE SCORE →
Finance Broker
David joined Voyage Financial after a 20 year career in all divisions of Commonwealth Bank and Bankwest's lending divisions. He brings a wealth of lending experience and client service experience.
Head Financial Planner
Matt heads up our financial planning, and is typically the guy you'll speak to when you request anything to do with superannuation, life insurance or investing. He joined Voyage Financial after years as a mentor and advisor to other financial planners.
Finance Broker
With over a decade of experience in the finance industry, Louise has a passion for helping people achieve their financial goals, from purchasing their first home, refinancing, or investing. Before transitioning to mortgage broking, Louise honed her skills at ANZ, where she spent over 10 years in various capacities.
Managing Director
Alex started working with professionals and their finance needs after finishing a career as an accountant. He's been a mortgage broker for over 10 years and has many doctors and other professionals that rely on him for their lending.
Finance Broker
Josh is a finance broker at Voyage Financial with 10 years of experience across NAB and ANZ in a range of lending roles. He brings expertise in both personal and commercial lending to the Voyage team and is passionate about supporting clients through every stage of their financial journey.
Like what you see? Meet the team properly.
Book a chat →Insights and advice for healthcare professionals
A plain-English look at cross-collateralisation, how linking loans across properties works, and why doctors building a portfolio should understand it early.
Read More →
How life and TPD insurance really works for Australian doctors, why the default cover inside super is rarely enough, and the three mistakes that leave medical families short.
Read More →
Renting near the hospital while investing where yields work. Here is when rentvesting fits a doctor's finances in 2026, and when it does not.
Read More →Why choosing the right advisor makes all the difference
Finance is not set and forget. Good brokers and planners develop deep and meaningful relationships with their clients over many years.
Lending and financial planning are closely tied together. What affects one often affects the other, and having advisors working together may help.
Financial outcomes may improve when you develop a relationship with an advisor you trust and who understands your unique situation.
Answers to our most frequently asked questions
We help professionals - especially those in the medical space. If you're a medical doctor, dentist, nurse or allied health professional, our team has years of healthcare specific lending experience. We stick to healthcare because we can provide a better service that way, but we can still help you if your partner works in a different industry.
Connect with multiple lenders through us (including options you can't access through a bank directly).
For many clients, a finance event is a trigger to review other financial areas (but if you're wanting to review your insurance, super or investments without broking, we can do that too).
Good brokers are financial partners for life. We've been helping some of our consultants since their medical internship!
We are members of Australia's peak mortgage broking association, credit representatives and hold accreditations with a wide panel of lenders.
Being a mortgage broker means we're bound by legislation to put your interests first, or risk losing our accreditation.
Like most brokers, our services are remunerated by the lender we settle with. This doesn't affect our recommendations though!
We'd love to chat about how we can help achieve your property and finance goals. Book a time and answer some guided questions to be put in touch with one of our professionals.
Still have questions?
Our mission is to improve the way Australia's professionals receive finance advice.
No obligations, just honest advice
Experienced, licensed team
Tailored to your situation