Home loan specialists for veterinarians

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 vets that means knowing which lenders verify a veterinary registration properly rather than searching the health practitioner register and finding nothing, and which of them apply no minimum income at all. Commercial property for business owners is our main speciality, so a clinic buy-in or a premises purchase is familiar ground. Every figure is subject to serviceability, lender appetite and approval.

Vets qualify for a professional program, and at least one major names veterinarians alongside optometrists, physiotherapists and chiropractors at up to ninety per cent with the mortgage insurance premium waived and no minimum income. What differs is the evidence. Doctors and physios are verified on the national health practitioner register; vets are verified on the veterinary register kept by your state or territory board. Eligibility lists differ 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.

Under the programs that name veterinarians, no. That is genuinely unusual, and most vets are never told it, because the widely quoted figure for allied health does not apply here. Eligibility rests on your registration rather than your earnings. Serviceability still has to work, so what you earn decides how much you can borrow, but it does not decide whether you are in the program.

Not yet under the programs, because they accept general registration rather than provisional or limited. The timing matters: once general registration comes through, the program opens to you without any 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 you can decide whether to buy now or wait.

Often, yes. Non-practising registration is frequently accepted where the absence from practice is temporary, and parental leave is the common example. That is the opposite of what most people assume, and it means a vet on leave should not rule themselves out before asking. What the lender will want is a clear picture of the return to work and the income that comes with it.

Usually some of it, and how much varies more than you would expect. Emergency rosters, on-call, weekend loadings and locum shifts are a real part of veterinary earnings, and a base rate on its own understates what you actually take home. Some lenders read regular variable income at close to full value; others discount it heavily. Presenting the whole picture properly, with the history to support it, is what moves the number.

Yes, and many vets do. 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, so this is one of the clearer cases where the lender chosen decides the outcome.

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 practice sits in a trust or company, distributions generally need a consistent history before they count as your income.

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. Caps apply to the loan amount, to the value of the property and to your total lending with that lender, and they differ between lenders and by postcode. They are set high enough that most purchases sit comfortably inside them, but they are worth checking before you commit to a prestige purchase rather than after. We confirm the position for your specific property.

No, and this catches people. The premium waiver is not applied by default; it has to be identified and asked for when the application is lodged. A vet who applies directly without raising it can end up paying a premium they were entitled to avoid. Making sure it is claimed, with the right registration evidence attached, is part of what we do.

Sometimes. The programs commonly cover owner-occupier and investment lending on principal and interest repayments, though policies are narrower for investment than for the home you live in and vary between lenders. Interest-only arrangements are often treated differently again. Worth checking before you commit rather than assuming either way.

Yes, and many practice owners already hold assets that way. 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 claimed. How you hold assets is a decision for you and your accountant.

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

It depends entirely on the lender, and the two majors sit at opposite ends. One names veterinarians in its waiver program at up to 90% and applies no minimum income at all. The other includes veterinarians in a broader allied health list, also at 90%, but sets a minimum income of $90,000 a year, with casual income annualised over 52 weeks. Knowing which program you fit is the difference between qualifying now and waiting for a pay rise. 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 the relevant state veterinary board rather than AHPRA, so confirm your registration type before you assume the program applies.

For a salaried associate: recent payslips, a year-to-date summary showing after-hours and on-call, evidence of your veterinary registration, identification and statements for existing debts. For a practice owner: add the practice financial statements and tax returns, 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. Practice-owner files take longer to assemble than salaried ones, which is a good reason to start 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 clinic premises and to buy into a practice. We also arrange equipment and fit-out finance for surgical, imaging and dental suites, 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.