Home loan specialists for professionals

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 professionals that means knowing which tier your registration or membership actually places you in, which lenders set an income entry point and which do not, and how contractor, partnership and practice income should be evidenced. Commercial property for business owners is our main speciality, so when the practice or the premises become the next conversation, the same team already knows your position. Every figure is subject to serviceability, lender appetite and approval.

Four groups, in descending order of benefit. Doctors, dentists and medical specialists sit at the top, at ninety five per cent with no minimum income. Allied health practitioners, from pharmacists and optometrists to nurses and vets, sit at ninety per cent above an entry point commonly set at $90,000, though at least one major applies none to optometrists, physiotherapists, chiropractors and vets. Legal professionals holding a practising certificate sit at ninety per cent, with entry points commonly around $150,000 and some lenders applying none. Finance professionals holding a recognised membership sit at ninety per cent, commonly between $120,000 and $150,000. Lists differ between lenders and change without notice.

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 programs are built on default history rather than on earnings. Lenders price the mortgage insurance premium off how a borrower group has actually performed, and the groups in these tiers have performed well enough that some lenders carry the risk themselves rather than insuring it. That is a commercial judgement about the profession, which is why a first-year hospital doctor can qualify where a far higher earner in another field does not.

It is a one-off premium that protects the lender, not you, when your deposit sits below the level they would otherwise want, and it is charged on top of your loan. Where a professional program applies, that premium is removed rather than reduced. It is a policy position rather than a discount to be negotiated, which is why it does not have to be argued file by file.

For the health tiers, yes: current registration with the relevant board is the qualifying test, and eligibility begins at registration together with an appointment rather than before it. For the legal tier it is a current practising certificate. For the finance tier it is current membership of a recognised body. In each case the qualification is the test, not your employer or your salary band.

More than most people assume, because entry points are lender policy rather than an industry rule and they vary widely. The same file can be outside a program at one lender and inside it at another. Consistent overtime, regular allowances and bonuses can sometimes count toward the figure where the history supports it. And where a program genuinely does not reach you yet, standard lending still gets you into a home with a larger deposit or with the premium paid.

It depends on your tier. In the top tier, five per cent without the premium charged on top. In the other three, ten per cent without the premium, where you meet the entry point. Both compare with the twenty per cent most borrowers are told to reach, or a premium charged above eighty per cent. The exact position depends on the lender and your circumstances.

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.

Yes. The tiers above cover considerably more professions than we have written individual pages for, and the allied health tier in particular runs across most of the registered health professions. The tier tells you the maximum and the entry point; the rest is which lender reads your income shape best. Get in touch and we will confirm exactly where you sit.

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

It changes the evidence rather than the eligibility. Lenders differ on how much trading history they want: commonly two years at the majors, twelve months at second-tier lenders, and less at some specialists 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 returns are thin. One thing worth knowing early: a short ABN history can move a file toward alt-doc assessment, where a profession waiver may not reach.

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. Our part is arranging finance that works around the structure you already have.

Your home loan and your business facilities are assessed off overlapping financials, so a facility on one side changes what is available on the other, and a guarantee counts even where the debt is not in your own name. What secures the business loan also matters: where the business debt is secured against the business assets, your home stays free for your own borrowing. Our home loans for business owners page goes into this in detail.

For a salaried professional: recent payslips, a year-to-date summary, evidence of your registration, certificate or membership, identification and statements for existing debts. For a contractor: add business activity statements and tax returns. For a partner or practice owner: add the partnership or practice accounts, and the entity accounts and trust deed 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. Contractor, partner and practice-owner files take longer to assemble than salaried ones, which is an argument for starting 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 to buy the premises you work from and to buy into a practice. We also arrange fit-out and equipment finance, and working capital where a practice or business 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.