Home loan specialists for optometrists

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 optometrists that means making sure the application is read as clinical rather than retail, that variable practice income is counted properly, and that the waiver is claimed. Commercial property for business owners is our main speciality, so a practice or its premises is familiar ground. Every figure is subject to serviceability, lender appetite and approval.

Yes. The qualifying test is your current registration, not who employs you, and employment by a national retail group is completely normal in optometry. At least one major names optometrists in a waiver program allowing up to ninety per cent with the premium waived and no minimum income. The registration evidence leads the application rather than being left for a lender to infer from an employer name.

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 the programs that name optometry, no. That is worth knowing because the figure widely quoted for allied health does not necessarily apply here. Eligibility rests on registration rather than earnings. Serviceability still decides how much you can borrow, but it does not decide whether the program is open to you.

Usually a good deal of it, and how much depends on the lender and the history behind it. Retail optometry commonly pays a base with commission attached to testing or dispensing volumes, and for many optometrists that variable share is substantial. Some lenders count regular commission at close to full value where there are two consistent years behind it; others average or discount it. A year-to-date summary alongside the prior year is what supports the fuller assessment.

Not yet under the programs, because they accept general registration rather than provisional. Once general registration comes through the program opens without an income test to clear. In the meantime standard lending still gets you into a home with a larger deposit or with the premium paid, and we will show you what each path costs so the timing is your decision.

Often, yes. Non-practising registration is frequently accepted where the absence from practice is temporary, and parental leave is the common example. What a lender will want is a clear picture of the return to work and the income attached to it, so ask rather than assume you need to wait.

From the business accounts and your personal returns read together rather than from a payslip. Franchise fees and royalties sit in the profit and loss and are read as ordinary costs of the model, and the remaining franchise term can matter to any lending against the business itself. Add-backs are worth identifying, because depreciation and one-off setup costs can legitimately lift the income a lender recognises.

Yes. What changes is capacity rather than eligibility: the 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. Lenders differ considerably in how they treat business debt held in an entity.

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.

Yes. Caps apply to the loan amount, the property value and your total lending with that lender, and they differ between lenders and by location. They sit high enough that most purchases are comfortably inside them, but they are worth confirming before committing to a prestige purchase rather than after.

No, and it catches people. Where a program exists it has to be identified and claimed at the time the application is lodged, with the registration evidence attached. An optometrist who applies directly without raising it can end up paying a premium they were entitled to avoid.

Sometimes, though the policies are narrower than for the home you live in and vary between lenders. Some extend the program to investment purchases on principal and interest repayments, others confine it to owner-occupied. Worth checking before you commit.

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. How you hold assets is a decision for you and your accountant.

Yes, and commercial property for business owners is our main speciality. It is a different assessment to a home loan, on different security and often with a different lender, and our commercial mortgage for optometry premises page sets out how those work. Rent you stop paying to a landlord is added back when serviceability is tested.

On the annualised figure rather than the last pay cycle. Casual income is annualised over 52 weeks on these programs, and overtime and allowances are assessed at 100% for eligible healthcare professionals rather than shaded or averaged down. Where you work part time, across two employers, or on an irregular roster, that treatment usually reads better than a lender averaging recent deposits into your account. Every figure is subject to serviceability, lender appetite and approval.

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. The allied health caps sit slightly below the medical ones. Every figure is subject to serviceability, lender appetite and approval.

Yes, it is possible, subject to serviceability, lender appetite and approval from our lender panel. On the 90% program the waiver covers an owner occupier or an investor loan on principal and interest repayments. On the higher medical tier the published deposit figure is stated for owner occupier principal and interest only, so an investment purchase there needs to be checked case by case.

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. Eligibility runs off registration with AHPRA, so confirm your registration type before you assume the program applies.

For an employed optometrist: recent payslips, a year-to-date summary showing commission, your employment contract, evidence of registration, identification and statements for existing debts. For a franchisee or practice owner: add the business financial statements and tax returns, and the entity accounts where a structure is involved.

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. Franchisee and owner files take longer to assemble than salaried ones.

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 to buy practice premises and to buy into a practice or franchise. We also arrange equipment and fit-out finance for diagnostic and dispensing areas, and working capital where a practice needs it.

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.