Home Loans for Veterinarians

We don’t just work with veterinarians, we come from the profession. We understand complex income, clinic ownership, and how lenders actually assess veterinary borrowers.

Including access to LMI waivers and lending solutions most brokers miss.

BOOK CALL

EXPERIENCE

Built with Veterinary Experience Structured by a Specialist Broker

Solid Foundations was built from lived experience within the veterinary profession and specialist lending expertise. Co-founder Dr Shelley Wiltshire is a practising veterinarian who built and scaled a clinic from five to twenty staff.

Tom Wiltshire manages the financial and lending side, including business lending, restructures, and property finance. Together, we understand both the clinical reality and how lenders assess veterinary borrowers.

We’ve already navigated the system, now we structure it properly for you.

ABOUT US

OUR LENDER PANEL

EXPERTISE

We Specialise in Complex Veterinary Lending

Many vets are not simple PAYG employees — and that is exactly where most brokers struggle.

We routinely structure loans for veterinarians who have:

Practice Ownership

Loans structured for veterinarians with clinic ownership, partnerships, and future growth plans.

Trust & Company Structures

We work with complex entity structures, distributions, retained earnings, and business income.

Mixed & Irregular Income

PAYG, locum, contract, and multi-source income properly assessed and presented to lenders.

Multi-Entity Borrowing

Solutions for borrowers with multiple entities, leases, and interlinked financial structures.

BENEFITS

LMI waivers for veterinarians

One of the most valuable advantages available to veterinarians is access to Lenders Mortgage Insurance (LMI) waivers with selected lenders.

Normally, if you have less than a 20% deposit, LMI applies — often costing tens of thousands of dollars. For veterinarians, many lenders offer profession-based LMI waivers.

What this means for you:

Borrow up to 90% of the property value (and in some cases higher)
No LMI payable

Keep your savings for Cash buffers, renovations, equipment etc

Enter the market sooner with a smaller deposit

BEST APPROACH

First home buyers – LMI waiver vs Home Guarantee Scheme

Many first home buyers are familiar with the Home Guarantee Scheme (HGS), which allows purchases with as little as a 5% deposit without paying LMI.

While useful, it comes with limitations:

property price caps by location
income thresholds
limited places each year
strict eligibility and occupancy rules

LMI Waiver advantage

As a veterinarian, you may be able to access an LMI waiver under lender policy, without using the Home Guarantee Scheme at all.

This can allow you to:

buy above HGS property price caps
avoid government income restrictions
retain access to future schemes if needed
access a broader range of lenders and loan structures

We assess both pathways and recommend the option that best fits your purchase price, income structure and long-term plans.

ELIGABILITY

How veterinarians qualify

We know how lenders interpret veterinary income — and how to present it clearly so it actually works in your favour. So using the eligibility criteria we find you the best deal.

Eligibility is generally assessed using:

your veterinary qualification and registration
your employment structure:
- PAYG
- contract
- locum
- or practice ownership
income stability and history
overall credit profile

Veterinary income can include:

base salary
overtime
on-call allowances
secondary clinics
locum work
business distributions

EXPERTS

Why work with a vet-specialist broker?

Not all lenders treat veterinarians the same way. You spend your days making complex decisions under pressure, so your mortgage should not be one of them.

And most brokers are not trained to deal with: