Finance Broker
Alissa Childs is the co-founder and director of Two Birds One Loan, an award-winning finance brokerage based in Sydney. With over 20 years of experience in financial services, Alissa is dedicated to delivering exceptional customer outcomes and experiences, emphasizing genuine care and connection with clients. Alissa brings her years two decades of experience to the IFD group aiming to help clinicians maximise their financial outcomes.
Finance Broker
Elouise Dooley is the co-founder and director of Two Birds One Loan. She has an astute eye for detail, an unusual love of spreadsheets, and the ability to effectively manage multiple projects and deadlines. Elouise is fiercely passionate about customer experience and delivering results, aiming to inspire women, particularly mothers, to trust their abilities and pursue their financial goals.
We provide a wide range of lending and brokering services that cater to both individuals and businesses, including but not limited to:
Using a mortgage broker offers several benefits:
Access to Multiple Lenders and Options: Mortgage brokers work with a range of lenders, providing access to various loan products and interest rates. This can increase the likelihood of finding a loan tailored to your specific needs and circumstances.
Expert Advice and Guidance: Brokers can help you navigate the mortgage process, explaining complex terms and assisting in choosing the right loan product. They bring industry knowledge that helps clarify options, fees, and conditions, making the process easier to understand.
Time Savings: Mortgage brokers handle much of the research and paperwork, saving you time and reducing the effort required to apply with multiple lenders. They also manage communication with lenders, making the process more efficient.
Negotiating Power: Due to their relationships with lenders, brokers can sometimes negotiate better terms, discounts, or lower interest rates on your behalf.
Tailored Loan Solutions: Brokers assess your financial situation and objectives, recommending loan options that align with your budget, risk tolerance, and repayment capacity, ensuring the loan fits your long-term goals.
Simplified Process and Support: Brokers streamline the mortgage process, from pre-approval to settlement, and offer ongoing support. They can assist with documentation and handle any challenges that arise during the approval process.
Access for Unique Financial Situations: Brokers are beneficial if you have unique financial circumstances, such as a low credit score, self-employment, or non-traditional income sources. They can identify lenders open to working with different profiles.
Using a mortgage broker can help secure competitive rates and terms, while also simplifying and personalizing the mortgage journey.
Mortgage brokers often have access to competitive rates and exclusive deals from various lenders, which may help you secure a lower rate than if you went directly to a bank. They can also compare offers to find the best value, taking your financial needs into account.
We operate as a collective of business partnerships centered on delivering the best possible services to our community of medical and dental professionals.
The group is headed by Dr Mian Bi who is the creator of the Investing For Doctors community and our team has been carefully crafted and vetted to ensure that you are looked after with the care and dedication you deserve.
A mortgage broker acts as an intermediary between borrowers and lenders. They help you find, compare, and apply for a suitable home loan from a wide range of lenders, guiding you through the entire process and managing communication with the lender on your behalf.
Mortgage brokers are usually paid a commission by the lender once your loan is settled. This service is typically free for residential borrowers.
For some business lending, there could be a fee depending on the complexity of the lending services required. These fees will be fully disclosed up front.
It’s generally advisable to review your mortgage at least every year or when there’s a significant change in interest rates or personal circumstances. Brokers can assist with this process, ensuring your loan remains competitive and at IFD Lending, we have a process in place to internally review the rates twice a year to ensure you are getting the most competitive rates out there.
Whilst we started off as community catering to the medical (and later dental) professionals, we believe that great services can be shared by all. We welcome and encourage nursing, paramedicine and allied health colleagues and even family members to utilise our services as building a healthy healthcare system does not stop at the individual practitioner.