Home loan specialists for accountants

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. You will read your own financial statements better than most borrowers, so what we add is the lender side: which memberships each one accepts, where the job title lists start and stop, and which of them apply no income entry point at all. Commercial property for business owners is our main speciality, so a firm buying its own suite is familiar ground. Every figure is subject to serviceability, lender appetite and approval.

The commonly accepted set is CA ANZ, CPA Australia, the Institute of Public Accountants, the CFA Institute and Fellowship of the Institute of Actuaries of Australia. Current membership is the test rather than your employer or your salary band. Acceptance lists do differ between lenders and change without notice, so confirm rather than assume. Where you do not hold one of those memberships, standard policy still applies and still works, with a larger deposit or the insurance premium paid.

Across our lending we arrange finance from $50K up to $30M, and home loans sit within that range, including prestige purchases that fall outside standard bank policy. Your borrowing capacity comes down to income, existing commitments and the property itself.

No, but it does need handling. Lenders work from a defined set of accepted titles, commonly Accountant, Actuary, Auditor, Chief Financial Officer, Director, Finance Director, Finance Manager, Financial Controller and Partner. Plenty of genuine finance roles carry a different label on a payslip. The application then needs to show the qualification, the actual duties and the reporting line clearly enough for the lender to see the role for what it is, and an employer letter carries real weight. Done up front this rarely becomes an issue.

It depends on the lender, and the spread is wide enough to matter. Most set an entry point commonly between $120,000 and $150,000. At least one applies none at all for members of the main accounting bodies, assessing on the membership and serviceability alone. So a file below the common range can still be inside the program at the right lender. Bonuses and regular allowances can sometimes count toward the figure where the history supports it.

The basis of assessment. Partnership income is read from distributions averaged over roughly two years, together with your share of partnership equity where relevant, and drawings and profit share are considered together rather than one standing for the other. The year or two straight after admission is where averaging can understate what you are actually earning, which is often exactly when people want to buy. Worth planning around rather than discovering at application.

Ten per cent without the mortgage insurance premium charged on top, where the professional program applies, against the twenty per cent most borrowers are told to reach. On a metropolitan purchase that gap is the better part of a year of saving for most people. The exact position depends on the lender and your circumstances, so confirm which programs are open to you before setting a savings target.

It is reachable, and it comes from bringing additional security to the file rather than from a larger loan against the one property. That means either a family member offering their own property as part security, or equity you add from a property you already own. Your income still has to service the whole loan, so the additional security covers the deposit gap rather than replacing serviceability. Where a guarantee is involved, we set out plainly what it means for the family member before anyone commits.

Yes. A buy-in facility sits in your position and reduces what a lender will advance for a home, and a guarantee counts even where the debt is not in your own name. It does not stop you buying; it changes the number. Where both are on the horizon, the order is worth deciding deliberately, and we can model both sequences with real figures.

Yes. What changes is how the income is traced: a distribution from a discretionary trust generally needs a consistent history before a lender treats it as income, and the entity accounts need to agree with what is being claimed. You will know the structuring side better than most clients; our part is arranging finance that works around the structure you already have.

Sometimes, but the policies are narrower than for the home you live in and they vary between lenders. Some extend the professional program to investment purchases, others confine it to owner-occupied. Worth checking before you commit rather than assuming either way.

Yes, and commercial property for business owners is our main speciality. A firm buying its suite is a commercial purchase assessed on the building rather than the practice, and our commercial mortgage for strata office suites page sets out how those are assessed. Rent the firm stops paying to a landlord is added back when serviceability is tested, which is often what makes the numbers work.

For an employee: recent payslips, a year-to-date summary, evidence of current membership, identification and statements for existing debts. For a partner: add two years of partnership distributions and personal returns. Where a trust or company is involved, the entity accounts and the trust deed. We give you one list up front rather than asking in instalments.

Pre-approval commonly comes through within a few days once the documents are together. Full approval after you have found a property depends on the lender and the valuation, and usually follows soon after. Partner files take longer to assemble than salaried ones, which is a good reason to start before you are house hunting rather than during.

In most cases our service does not cost you anything. We are paid by the lender once your loan settles, so you get the comparison across more than 40 lenders and the management of the process at no charge. If anything unusual applies to your situation, we will be upfront about it before any work begins.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever in Australia you are buying, we can arrange your home loan.

Commercial property for business owners is our main speciality, so alongside your home loan we arrange finance for firms buying the office suite they work from, and for practice acquisitions and partner buy-ins. We also arrange office fit-out and technology finance, and working capital to cover the gap between billing and collection.

No. Arranging finance and advising on financial products are two different disciplines, and we do the first. What we bring is the credit analysis lenders require, the structuring of the facility, and the strategy for putting your application in front of lenders whose appetite matches it.

Because we act as a credit representative under an Australian Credit Licence, we do not give financial product, superannuation, taxation or legal advice, and nothing we provide should be taken as such. Where your circumstances need that input, we are happy to work with your accountant, financial adviser and solicitor to understand the full picture before anything is submitted.

The information on this page is general in nature and does not take account of your objectives, financial situation or needs.