Home loan specialists for psychologists

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 psychologists that means assembling income from four or five payers into something a lender reads as a diversified practice rather than as irregular earnings, and knowing which lenders include psychology in their health pathway at all. Commercial property for business owners is our main speciality, so buying consulting rooms is familiar ground. Every figure is subject to serviceability, lender appetite and approval.

Not once it is presented properly, and it is the most common shape we see. Each stream lands on its own cycle, so month-to-month figures look uneven even when the annual picture is steady. What makes it work is identifying each stream separately and showing twelve months of history behind it, usually with a practice management report alongside the accounts. Assembled that way it reads as a diversified practice, which is a fair description of it.

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.

With some lenders, yes. Psychologists sit in the allied health group, which commonly allows up to ninety per cent with the premium waived above an income entry point often set around $90,000. Coverage is less consistent than for some other professions, though: some lenders name psychologists explicitly and others exclude them and assess you as a standard borrower. Establish which is which before applying.

Yes, though usually outside the professional program, because the programs turn on general registration rather than provisional. That is a timing issue rather than a barrier. Standard lending still gets you into a home with a larger deposit or with the premium paid, and once general registration comes through, refinancing into the program is straightforward. We will model buying now against waiting so you can see what each actually costs.

Very often, yes, so think about it before you resign. While you are employed the application runs on payslips, which is the simplest path there is. The moment you leave, it becomes a self-employed file and most lenders want one to two years of trading behind it. So the twelve to eighteen months after the move is the hardest window to borrow in. Neither path is wrong, but the sequence is worth choosing deliberately.

Generally two years of tax returns and financial statements, though second-tier lenders commonly accept twelve months and some specialists less again where you have prior experience in the field and a larger deposit. Business activity statements and an accountant’s letter carry real weight where returns are still thin. Add-backs are worth identifying too, since they lift the income a lender recognises above the taxable figure.

Separately from your clinical earnings, and it needs the agreements behind it. Service fees or rent paid by other psychologists using your space can count, but a lender wants written arrangements rather than an informal understanding. Where those exist and there is a history of payment, it strengthens the file considerably, because it is income that does not depend on your own caseload.

Often less than people expect. 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. Worth asking rather than assuming you have to wait.

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. Applying directly without raising it can mean paying a premium you were entitled to avoid.

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

Yes, and many practice principals 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.

Yes, and commercial property for business owners is our main speciality. Psychology rooms value closer to an office suite than a clinical fit-out, which helps, and our commercial mortgage for psychology rooms page sets out how those purchases are assessed. 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.

On the program that covers psychologists, yes, $90,000 a year, with casual income annualised over 52 weeks. That annualisation matters where you work part time or across more than one employer, because it is assessed on the annualised figure rather than what landed in your account last month. Every figure is subject to serviceability, lender appetite and approval.

One major sets a maximum loan of $5 million with total lending of $7.5 million where the premium is waived. Those are ceilings on the waiver rather than on borrowing 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.

For an employed psychologist: recent payslips, a year-to-date summary, evidence of registration, identification and statements for existing debts. For private practice: two years of tax returns and financial statements where available, recent business activity statements, and a breakdown of income by payer. Where a trust or company is involved, the entity accounts and trust deed.

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. Private practice files take longer to assemble than salaried ones, particularly where several income streams have to be set out, so starting early helps.

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 consulting rooms and to buy into a practice. We also arrange fit-out finance for consulting and group rooms, 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.