Home loan specialists for physiotherapists

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 physiotherapists that matters more than in most professions, because the policies genuinely diverge: one lender names physios with no income test, another has no pathway at all. Knowing which is which, today, is the difference. Commercial property for business owners is our main speciality, so a clinic or its premises is familiar ground. Every figure is subject to serviceability, lender appetite and approval.

With some lenders, yes, and with others, no. At least one major names physiotherapists in its waiver program at up to ninety per cent with no minimum income to reach. Other lenders run no allied health pathway and assess a physio as a standard borrower with the premium charged in full. Only a small number currently run it for physios, and the lists change without notice, which is why we confirm the position before lodging rather than after.

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.

Because the waiver is a commercial policy decision rather than a rule, and each lender makes it separately. One has decided physiotherapy is a low-risk borrower group worth competing for; another has not built a pathway at all. Nothing about your file changes between them. On a metropolitan purchase the difference is a five-figure sum, so establish it before you apply.

It depends on the lender, and the spread is wide. At least one major applies none at all to physiotherapists, assessing on registration and serviceability alone. Others set a floor. Where you sit relative to those thresholds can decide which program is open to you, so test it properly rather than assume the widely quoted allied health figure applies to you.

Yes. It is read as contractor income rather than salary, which changes the documents rather than the answer. The majors commonly want two years of trading history, second-tier lenders commonly twelve months, and some specialists will look at less where you have prior experience and a larger deposit. Business activity statements and an accountant’s letter carry weight where tax returns are still thin.

You can buy; the professional program is what waits. The programs accept general registration rather than provisional or limited, so the waiver opens once general registration comes through. In the meantime standard lending still gets you into a home with a larger deposit or with the premium paid. We will show you what each path costs so the timing is your decision rather than a surprise.

Often not. Non-practising registration is frequently accepted where the absence from practice is temporary, and parental leave is the usual example. Physiotherapy has a high proportion of practitioners taking exactly that leave, so ask rather than assume. What a lender will want is a clear picture of the return to work and the income attached to it.

Often a good deal of it. Overtime, on-call for acute services and weekend loadings are a genuine part of a public-sector physio’s income, and some lenders assess regular overtime and allowances at full value for eligible healthcare workers. Others discount it. Providing a year-to-date summary that shows the variable component clearly is what lets the right lender count it.

Yes. What changes is capacity rather than eligibility: those facilities sit in your position and reduce 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, so this is a case where the lender chosen decides the number.

From the practice financial statements and your personal returns read together rather than from payslips. The two need to reconcile, and add-backs are worth identifying carefully, because depreciation, one-off costs and certain interest items can legitimately lift the income a lender recognises. Where the clinic sits in a trust or company, distributions generally need a consistent history before they count.

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.

No. Where a program exists it has to be identified and claimed when the application is lodged, with the right registration evidence attached. A physio who applies directly without raising it can end up paying a premium they were entitled to avoid, which is a costly way to find out.

Sometimes, but 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, and interest-only arrangements are often treated differently again. 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 physiotherapy premises page sets out how those purchases 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 physio: recent payslips, a year-to-date summary showing overtime and allowances, evidence of registration, identification and statements for existing debts. For a contractor: business activity statements, tax returns and your service agreement. For an owner: add the practice financial statements and any entity accounts.

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. Contractor and owner files take longer to assemble than salaried ones, which is a reason to start before you are house hunting.

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 clinic premises and to buy into a practice. We also arrange fit-out and equipment finance for rehabilitation and exercise areas, and working capital where a clinic 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.