Home Loans for Vets

Yes. Veterinarians qualify for medico lending policies alongside doctors and dentists: typically up to 95% LVR with no LMI, and income assessed on trajectory rather than just payslips. A specialist who knows each lender's policy settings puts your application in front of the one that treats vets best at your stage.

Eligible veterinarians can typically borrow up to 95% LVR with no LMI. On an $800,000 home, skipping LMI at 95% saves around $31,000 (calculation as at July 2026). You should not have to guess what applies to you: we will tell you where you stand within one conversation.

Veterinary careers often mix employment, locum work, practice ownership and regional relocation. Presented poorly, that reads as instability. Presented properly, it reads as what it is: an in-demand professional income. How your income and situation are presented is the critical piece. Lenders may also look at variables such as your location, so we match you to the lenders that back vets confidently wherever you live and work.

Deposit. Typical bank: 20% deposit on an $800,000 home is $160,000. With a medico policy at 5%: $40,000. Around $120,000 less to get into the same home.
LMI. A 5% deposit normally attracts roughly $31,000 in LMI on an $800,000 purchase. Under a medico waiver: $0. (Illustrative, as at July 2026.)
Illustrative examples only, not financial advice. Eligibility, rates, LMI and terms depend on your circumstances and lender criteria.

Plenty of vets plan both. The order, and the structures you use, can change what you qualify for on each. If practice ownership is on your horizon, tell us early: we arrange veterinary practice finance too, and looking at both together usually beats two separate applications.

Plenty of our clients talk to us long before a loan exists: weighing a practice purchase, planning a fitout, or working out what their career unlocks. That early thinking costs nothing and is some of the most valuable work we do. And when you are ready to move, it runs like this:
1. Today: talk to a specialist. 15 minutes on your situation and goals. No credit check, no cost.
2. Within 48 hours: your lending strategy. Which lenders include vets at your stage, what you can borrow, what it costs.
3. Application to approval. We package, submit and chase. Timing depends on the lender and the deal, and you will always know where things stand.
4. Approval to keys. We coordinate through to settlement, and stay your broker for the loans that come after.