How a Self‑Employed Surgeon Settled a $2.4M Investment in 21 Days

I got a call a few weeks back from a specialist who’d secured a luxury apartment in Toorak with a settlement date coming up quickly. Their income sat across a trust and a service company, and the bank’s approach to income shading wasn’t lining up with the contract timeline.

We kept the brief tight: the last two BAS and six months of business bank statements. That was enough to show the real activity of the practice billings, Medicare inflows, private work, and seasonality. Within a day we mapped recurring receipts, isolated one‑off costs, and presented a clean view of sustainable cash flows.

I then rang a lender we regularly use for high‑income professionals who assess Alt Doc on verified cash flows. We lodged a clean, well‑indexed file, scheduled a valuation immediately, and received conditional approval inside 48 hours. No noise. No redundant documents.

The structure we requested was straightforward: 75% LVR on an Alt Doc purchase with an initial interest‑only period to smooth timing around distributions, plus headroom for incidentals around settlement. With the valuation in and conditions satisfied, we proceeded to formalise and settled on day 21.

The takeaway we share with medical clients is simple: when documentation is curated to reflect actual cash flows (not just taxable income), momentum is preserved and settlement stays on schedule.