As a veterinarian, you may be eligible for tailored lending solutions not typically available through conventional home loan channels. Speak with one of our mortgage specialists to assess your borrowing capacity and uncover potential savings through reduced or waived Lenders Mortgage Insurance (LMI).
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Fill out some basic details in our simple online form.
Discuss your outlines and objectives with a Home Lending Specialist
Run through the products you are eligible for. Compare and contrast what suits you best.
Once satisfied with the approval after your Home Loan review, sign your documents online with our simplified process.
Your current loan will be paid out, and your new loan will commence.
Fill out some basic details in our simple online form.
Discuss your outlines and objectives with a Home Lending Specialist
Run through the products you are eligible for. Compare and contrast what suits you best.
Once satisfied with the approval after your Home Loan review, sign your documents online with our simplified process.
Your current loan will be paid out, and your new loan will commence.
Fill out some basic details in our simple online form.
Discuss your outlines and objectives with a Home Lending Specialist
Run through the products you are eligible for. Compare and contrast what suits you best.
Once satisfied with the approval after your Home Loan review, sign your documents online with our simplified process.
Your current loan will be paid out, and your new loan will commence.
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Home loans for veterinarians are specialised mortgage loans offered by many Australian lenders specifically for vets. They recognise your profession’s high demand, stable employment, and strong earning potential, classifying you as a low-risk borrower. Benefits typically include waivers or reductions in Lenders Mortgage Insurance (LMI), discounted interest rates, and more flexible income assessment, which can be particularly useful if you’re self-employed or work varied hours.
In most cases, no! This is one of the most significant benefits for veterinarians. While most borrowers pay LMI if their deposit is less than 20% of the property’s value, many lenders will waive LMI for eligible vets. This allows you to borrow up to 90% or even 95% of the property’s value without incurring this substantial upfront cost, potentially saving you tens of thousands of dollars.
Thanks to LMI waivers, veterinarians can often secure a home loan with a smaller deposit. You might only need a 5% or 10% deposit (plus funds for stamp duty and other purchase costs) and still avoid LMI. This makes it significantly easier to enter the property market sooner or preserve your cash for other investments.
Yes, absolutely! Lenders understand that many veterinarians operate their own clinics, work as locums, or have varied income streams. If you’re self-employed, lenders will typically assess your income based on your last two years of tax returns and financial statements.
Often, yes. Beyond the LMI waiver, many lenders offer competitive interest rate discounts and professional packages specifically for veterinarians. This is due to your perceived low-risk profile and strong financial standing, leading to potentially lower monthly repayments and significant savings over the loan term.
