Home loan specialists for doctors

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. For doctors that means knowing which lenders run a medical program, which of them read a hospital roster properly rather than shading half of it away, and how a file reads when income arrives from a hospital and a practice at the same time. Most of our work is commercial property for business owners, so when the practice premises become the next conversation, the same team already knows your position. Every figure is subject to serviceability, lender appetite and approval.

Yes. The medical programs accept hospital doctors at every level, from intern and resident through registrar to staff specialist, with no minimum income. Legal and finance programs generally set an income floor. Lenders accept fixed-term hospital contracts and rotations. Eligibility and terms vary between lenders and are subject to approval.

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.

Under a medical program, eligible doctors can borrow up to 95% of the purchase price without paying Lenders Mortgage Insurance. The exact figure depends on the lender, the property and your circumstances. We confirm which programs you qualify for before you set a savings target.

It is a one-off premium, added to the loan, that protects the lender when you borrow more than 80% of the property's value. Lenders set it from the loss history of each borrower group. For doctors, the lenders that run a medical program carry that risk themselves and remove the premium in full.

The doctors' tier covers general practitioners, medical specialists recognised by the national medical board, hospital doctors at every level including interns and residents, and dentists. A second tier covers allied health, generally up to 90% and with a minimum income. Eligibility starts at current registration plus a hospital or practice appointment, from your intern year onward. Lists differ between lenders and change without notice, so we compare them before you apply.

Yes, with additional security. A family member can offer their own property as part security, or you can add equity from a property you already own. Your income still has to cover repayments on the whole loan. We set out which route suits you, and what a guarantee means for the family member, before you start looking.

Yes. Major banks commonly want two years of trading history, second-tier lenders commonly twelve months, and some specialist lenders consider less where you have prior experience in the same field and extra deposit. Business activity statements and an accountant's letter can support thin tax returns. A short ABN history can move the application to alt-doc assessment, where a profession waiver may not apply. With two years of returns, the waiver and your contractor income can generally be assessed together.

Yes. Lenders that run these programs assess overtime, on-call and allowances at 100% for eligible healthcare professionals, and annualise casual income over 52 weeks. Standard lending policy discounts variable income. For a hospital doctor with regular overtime, this can change borrowing capacity more than the waiver does. Every figure is subject to serviceability, lender appetite and approval.

It adds documents. Lenders read the hospital income from payslips and the private income from practice accounts. Where billings run through a service entity, the entity accounts go in too. We reconcile both sides and present them together in one application.

Yes. The lender traces your income through the entity. A distribution from a discretionary trust generally needs a consistent history before it counts as income, and the entity accounts must agree with what you declare. How you hold assets is a decision for you and your accountant. We arrange finance around the structure you already have.

Sometimes. Waiver policies for investment purchases are narrower than for the home you live in and vary between lenders. Some extend the medical program to investment purchases, others limit it to owner-occupied homes. We check the policy before you commit to a purchase.

Yes. Commercial property for business owners is our main speciality, including the rooms you practise from. A commercial mortgage for clinic premises is assessed differently to a home loan, with different lenders and a different valuation basis, and a loan on one side changes what you can borrow on the other. Arranging both lets you plan the order.

Yes, it is one way to fund the deposit. Using your home as security for a commercial purchase ties the two properties together, which can limit your ability to sell or refinance one without affecting the other. Other structures keep them separate. We explain how lenders assess each option, and the tax side sits with your accountant.

The waiver has published caps. One major bank sets a maximum loan of $5 million and total lending of $7.5 million. Another sets $4.75 million for medical practitioners, specialists and dentists, and $4.5 million for the allied health group, with total home lending of $8 million in either case. The caps limit the waiver, not what you can borrow. Every figure is subject to serviceability, lender appetite and approval.

No. You request the waiver as part of the application. It depends on your registration type: general and specialist registration qualify, and provisional, limited and non-practising registration do not. A temporary non-practising period, such as parental leave, may still be accepted. We include the request when we lodge the application.

Not necessarily. One major bank assesses self-employed medical applicants on their last two years of individual ATO notices of assessment and still waives the premium up to 95%. That fast-tracked assessment cannot be combined with the 90% waiver, so your tier decides the paperwork. Every figure is subject to serviceability, lender appetite and approval.

For a hospital doctor: recent payslips, a year-to-date summary showing overtime and allowances, your employment contract, identification, and statements for existing debts. With private income, add the practice financial statements and tax returns. With a trust or company, add the entity accounts and the trust deed. We give you the full list at the start.

Pre-approval commonly comes through within a few days once your documents are complete. Full approval after you find a property depends on the lender and the valuation. We give you a timeline at the start and follow the application through each step.

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.

Yes, in many cases. Several lenders accept overseas-trained doctors working in the Australian health system. Your visa status, your registration and how long you have been in Australia decide which lenders will assess the application. We check those three things first.

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 to buy practice premises, and we work with doctors buying into or building out a practice. We also arrange working capital and equipment finance for practice fit-out, consulting-room equipment and imaging technology.

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.