Many lenders extend professional home-loan concessions to veterinarians, including LMI waivers at higher LVRs. Vets are registered with state Veterinary Practitioners Boards, not AHPRA, and not every lender includes them — so lender choice matters.
General information only · Written and reviewed by Phil Riches, Director of Medical & Professional Lending · Last reviewed June 2026
A number of lenders treat veterinarians as professional borrowers and extend concessions including LMI waivers at higher LVRs for eligible vets. Note that vets are registered with state Veterinary Practitioners Boards rather than AHPRA, and lender recognition varies more than it does for doctors — so the lender you choose makes a real difference. General information; your position depends on your circumstances and the lender's assessment.
Vet income comes in several forms, and lenders that recognise the profession still read each one differently.
Yes — a number of lenders extend LMI waivers and professional policy to eligible vets, commonly at higher LVRs. It's offered by fewer lenders than for doctors, so lender choice matters.
No — veterinarians are registered with state and territory Veterinary Practitioners Boards, not AHPRA. The lenders that include vets recognise that registration.
Yes. Locum and contractor income is read differently by each lender; matching you to the right one is the work.
Yes — practice and premises finance is assessed on the business and the valuation. See our practice purchase and commercial rooms pages.
Employed, locum or practice-owner income, evidenced the way the lender reads it. Practice owners are usually assessed on the practice's earnings.