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, and it surprises most doctors. The medical programs recognise hospital doctors at every level, from intern and resident through registrar to staff specialist, and they do not set a minimum income you have to reach first. That is unusual: the legal and finance equivalents generally do apply an income floor. Fixed-term hospital contracts and rotations are normal in this group and are read that way. 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.

Less than the twenty per cent figure most people are given, where a medical program applies. Those programs are built to let eligible doctors buy with a smaller deposit and without the mortgage insurance premium that would normally be charged on top. The exact figure depends on the lender, the property and your circumstances, so the useful step is to have us confirm which programs you qualify for before you set a savings target.

It is a one-off premium that protects the lender, not you, when your deposit is below the level they would otherwise want. It is charged on top of the loan. Lenders price it off the loss history of a borrower group, and doctors have historically been among the most reliable borrowers in the country, so the lenders that run a medical program carry that risk themselves rather than insuring it. Where the program applies the premium is removed rather than reduced.

The strongest tier covers general practitioners, medical specialists recognised by the national medical board, hospital-employed doctors at every level including interns and residents, and dentists. A second tier covers a wider allied health group, generally at a lower maximum and with a minimum income to clear. Eligibility starts at current registration together with a hospital or practice appointment, so your intern year is the point from which these programs are open to you. Lists differ between lenders and change without notice, which is exactly why the comparison is worth doing before you apply rather than after.

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. We will tell you which of the two routes fits your position before you start looking, and what it means for the family member if a guarantee is involved.

Yes. What differs between lenders is how much trading history they want to see: the majors commonly look for two years, second-tier lenders commonly twelve months, and some specialists will consider less where you have prior experience in the same field and a larger deposit. Business activity statements and an accountant’s letter serve as evidence where tax returns are still thin. One thing worth knowing early is that a short ABN history can move a file toward alt-doc assessment, and a profession-based waiver may not reach there. With two years of returns behind you, the waiver and the contractor income usually sit together comfortably.

Under a medical program it generally can be, at its full value rather than discounted. That matters, because for many hospital doctors the variable component is a substantial part of total income, and standard lending policy tends to shade it. Casual income is usually averaged across a full year. We look at how you are actually paid and take the file to a lender whose policy fits it.

It adds steps rather than obstacles. The hospital side is read from payslips, the private side from practice accounts, and where the billings run through a service entity the entity accounts go in as well. The two sides have to reconcile and be presented together rather than discovered by a lender midway through. This is routine for us.

Yes, and many doctors do. 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. How you hold assets is a decision for you and your accountant. 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 considerably between lenders. Some extend the medical program to investment purchases, others confine it to owner-occupied. Check it before you commit to a purchase rather than assume either way, and checking is quick.

Yes, and it is most of what we do. Commercial property for business owners is our main speciality, so buying the rooms you practise from is work we can assist with, and our commercial mortgage for clinic premises page sets out how those purchases are assessed. It is a different assessment to a home loan, with different lenders and a different basis of valuation, and a facility on one side changes what is available on the other. Arranging both means the order can be planned rather than discovered.

It is one of several ways it is commonly done, and you should understand what it costs you in flexibility before you decide. Using your home as security for a commercial purchase ties the two together, which can limit your ability to sell or refinance one without disturbing the other. There are structures that keep them apart. We will set out how each option is assessed and what it means for your position, and the tax side belongs with your accountant.

Where the premium is waived, the caps are published. One major 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. Those are ceilings on the waiver, not on what you can borrow generally. Every figure is subject to serviceability, lender appetite and approval.

No. The waiver is not automatic. It has to be requested as part of the application, and it is tied to your registration status: general and specialist registration qualify, while provisional, limited and non-practising registration do not. A temporary non-practising period, parental leave for instance, may still be accepted. We raise it at application rather than assuming it will be applied.

In full, with the lenders that run these programs. Overtime and allowances are assessed at 100% for eligible healthcare professionals rather than shaded, and casual income is annualised over 52 weeks. For a hospital-employed doctor carrying significant on-call and overtime, that treatment changes borrowing capacity more than the waiver itself does. Every figure is subject to serviceability, lender appetite and approval.

Not necessarily. One major assesses self-employed medical applicants on the last two years of individual ATO notices of assessment and still allows the premium to be waived up to 95%. The same fast-tracked assessment cannot be combined with the 90% waiver, so which tier you sit in changes 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. If you have private income, add the practice financial statements and tax returns. If 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. We give you a realistic timeline at the start and keep it moving rather than leaving you to chase it.

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.

Often, yes. Overseas-trained doctors arriving to work in the Australian system are a group several lenders are comfortable with, though visa status, registration and how long you have been here all affect which lenders will look at it. It is worth a conversation early, because the answer varies more between lenders here than almost anywhere else in home lending.

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.