5.29
%
p.a.
Interest rate *
Specialist lenders who recognise veterinarians even though you’re not AHPRA-registered.
Vets are an awkward fit for the standard medico lender programs because you sit under state Veterinary Surgeons Boards, not AHPRA. Most lenders’ ‘medical professional’ programs were built around AHPRA registration and quietly exclude veterinarians by default. The good news: a small number of lenders (notably BOQ Specialist and Macquarie) have specifically built vet-inclusive programs with LMI waivers up to 90% LVR. We know which ones and we know how to position vet income, including practice ownership, mixed clinical and emergency work, and locum vet billing.
* Comparison rate based on a $150,000 loan over 25 years. Fees may apply. Actual rates may vary with different terms, fees, or loan amounts.
* Rates shown are indicative only and subject to change without notice. Final rates will depend on the lender’s assessment of your individual circumstances, including your credit profile and loan purpose.
Vet with animal — small animal practice, modern setting
Lender policies, LMI waiver caps and income assessment vary by the kind of doctor you are. Pick your situation
Vet-inclusive medical-pro programs at select lenders including BOQ Specialist and Macquarie.
Practice purchase, fit-out, equipment finance and commercial property loans tailored to veterinary practice ownership.
Lenders we work with credit emergency-hours penalty rates and locum income properly.
From your first home as an intern to your practice purchase as a partner, we structure finance around the realities of medical careers: irregular billing, AHPRA registration, locum income, partnership distributions and all.
Salaried, practice distributions, emergency hours, locum, after-hours.
There mightn’t be many, but we know the few out there.
Sit back and continue helping our furry friends. We’ll keep the finance simple.
Enjoy your new practice, home, or investment.
Every loan product an Australian vet is likely to need, under one specialist team.
90% LVR, no LMI through BOQ Specialist vet program.
Combined home and practice loan restructure, saving $18K/year and releasing equity for a second site.
Used 12 months of placement history to qualify for medical-pro programs despite irregular monthly billings.
Every loan product an Australian doctor is likely to need — under one specialist team.
LMI waivers up to 100% LVR for AHPRA-registered doctors. First home, upgrader or refinance.
Build a property portfolio with structures suited to high-income, irregular-billing doctors
Move to a lender that actually credits medical income, locum work or trust distributions
Practice buy-ins, fit-outs, equipment, vehicles, and expansion finance for medical professionals.
Book a 15-minute call and we’ll point you in the right direction — no obligation, no jargon.
Some lenders include vets, others don’t. BOQ Specialist and Macquarie have vet-specific programs with LMI waivers up to 90% LVR. Most of the Big 4 don’t include vets in their standard medical-pro tiers. We know which is which.
Practice ownership generally increases your borrowing power (higher income) but requires more sophisticated income assessment (BAS, financials, distributions). We work with lenders who properly read vet practice financials.
Yes. Locum vet income is treated like locum doctor income — most lenders penalise the variability, but the right specialist lender will credit it at full value with the right placement history.
Generally treated under the same vet program, but penalty rates and after-hours billing can push borrowing capacity significantly higher with the right lender.
Yes — practice purchase, partner buy-in, equipment finance, and fit-out are all available. See our /loans/business-lending/ page.