{"id":14353,"date":"2023-12-20T12:50:58","date_gmt":"2023-12-20T17:50:58","guid":{"rendered":"http:\/\/skipthebank.ca\/?page_id=14353"},"modified":"2026-04-06T22:08:17","modified_gmt":"2026-04-07T02:08:17","slug":"veterinarians","status":"publish","type":"page","link":"https:\/\/skipthebank.ca\/mortgages\/veterinarians\/","title":{"rendered":"Veterinarians"},"content":{"rendered":"<section class=\"service-hero vet-hero\">\n<div class=\"herobg\">\n        <img decoding=\"async\" src=\"\/wp-content\/uploads\/2022\/10\/Group-27.png\" alt=\"pink dots grid\" class=\"pinkdots\" \/>\n    <\/div>\n<div class=\"website-grid\">\n<div class=\"title-box\">\n<h1>Mortgages for <span class=\"orange-txt\">Veterinarians<\/span><\/h1>\n<p>Here at The Mortgage Centre, we understand the unique needs of veterinary professionals and offer tailored solutions that align with your busy schedule. Whether you&#8217;re a recent graduate with student loans or an experienced veterinarian exploring rural property ownership, we have the expertise to guide you.<\/p>\n<p>            <a href=\"\/contact-us\/\"><button class=\"btn-orange\">Contact Us<\/button><\/a>\n        <\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-context self-context\">\n<div class=\"website-grid centerTheIcons\">\n<div class =\"iconsContainer\">\n<div class=\"icons-box\">\n            <i class=\"fa-duotone fa-shield-dog\" style=\"--fa-primary-color: #ee4035; --fa-secondary-color: #ee4035;\"><\/i><\/p>\n<p>Tailored for Veterinarians<\/p>\n<\/p><\/div>\n<div class=\"icons-box\">\n            <i class=\"fa-duotone fa-money-check-dollar\"><\/i><\/p>\n<p>Get The Best Rate<\/p>\n<\/p><\/div>\n<\/div>\n<div class=\"context-box\">\n<p class=\"pretitle\">Mortgages for Veterinarians\u00a0<\/p>\n<h2>What is a <span class=\"orange-txt\">Veterinarian Mortgage?<\/span><\/h2>\n<p>The Veterinarian Mortgage at Skip The Bank is designed for veterinary professionals with diverse income, including subcontractor pay, locum income, professional corporation earnings, and T4 income. We offer competitive mortgage rates, flexible repayment terms, and customized loan options. Whether you\u2019re a recent veterinary graduate or in your final year of veterinary school, we simplify the mortgage process with just a 10% down payment, helping you achieve homeownership easily.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-help self-help vets\">\n<div class=\"website-grid\">\n<div class=\"col-12 helpform-box\">\n<h3>Get a Free Consultation<\/h3>\n<script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 3.1.\"),o(),0))},initializeOnLoaded:function(o){gform.callIfLoaded(o)||(document.addEventListener(\"gform_main_scripts_loaded\",()=>{gform.scriptsLoaded=!0,gform.callIfLoaded(o)}),document.addEventListener(\"gform\/theme\/scripts_loaded\",()=>{gform.themeScriptsLoaded=!0,gform.callIfLoaded(o)}),window.addEventListener(\"DOMContentLoaded\",()=>{gform.domLoaded=!0,gform.callIfLoaded(o)}))},hooks:{action:{},filter:{}},addAction:function(o,r,e,t){gform.addHook(\"action\",o,r,e,t)},addFilter:function(o,r,e,t){gform.addHook(\"filter\",o,r,e,t)},doAction:function(o){gform.doHook(\"action\",o,arguments)},applyFilters:function(o){return gform.doHook(\"filter\",o,arguments)},removeAction:function(o,r){gform.removeHook(\"action\",o,r)},removeFilter:function(o,r,e){gform.removeHook(\"filter\",o,r,e)},addHook:function(o,r,e,t,n){null==gform.hooks[o][r]&&(gform.hooks[o][r]=[]);var d=gform.hooks[o][r];null==n&&(n=r+\"_\"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==r?t.apply(null,e):e[0]=t.apply(null,e)})),\"filter\"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}});\n\/* ]]> *\/\n<\/script>\n\n                <div class='gf_browser_gecko gform_wrapper gform_legacy_markup_wrapper gform-theme--no-framework' data-form-theme='legacy' data-form-index='0' id='gform_wrapper_6' ><div id='gf_6' class='gform_anchor' tabindex='-1'><\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_6' id='gform_6'  action='\/index.php?rest_route=%2Fwp%2Fv2%2Fpages%2F14353#gf_6' data-formid='6' novalidate>\n                        <div class='gform-body gform_body'><ul id='gform_fields_6' class='gform_fields top_label form_sublabel_below description_below validation_below'><li id=\"field_6_14\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_6_14'>Facebook<\/label><div class='ginput_container'><input name='input_14' id='input_6_14' type='text' value='' autocomplete='new-password'\/><\/div><div class='gfield_description' id='gfield_description_6_14'>This field is for validation purposes and should be left unchanged.<\/div><\/li><li id=\"field_6_10\" class=\"gfield gfield--type-text gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_6_10'>Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_10' id='input_6_10' type='text' value='' class='large'   tabindex='99' placeholder='Name *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_6_3\" class=\"gfield gfield--type-email gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_6_3'>Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_3' id='input_6_3' type='email' value='' class='large' tabindex='100'  placeholder='Email *' aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/li><li id=\"field_6_12\" class=\"gfield gfield--type-phone gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_6_12'>Phone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_12' id='input_6_12' type='tel' value='' class='large' tabindex='101' placeholder='Phone *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_6_13\" class=\"gfield gfield--type-textarea gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_6_13'>Message<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_textarea'><textarea name='input_13' id='input_6_13' class='textarea small' tabindex='102'   placeholder='Tell us how we can help... *' aria-required=\"true\" aria-invalid=\"false\"   rows='10' cols='50'><\/textarea><\/div><\/li><\/ul><\/div>\n        <div class='gform-footer gform_footer top_label'> <input type='submit' id='gform_submit_button_6' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='Contact Us' tabindex='103' \/> <input type='hidden' name='gform_ajax' value='form_id=6&amp;title=&amp;description=&amp;tabindex=99&amp;theme=legacy&amp;styles=[]&amp;hash=354849b131285408762c6f58c5dd472e' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_6' value='iframe' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_6' id='gform_theme_6' value='legacy' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_6' id='gform_style_settings_6' value='[]' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_6' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='6' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_currency' data-currency='USD' value='CUBtpqJBM\/PJWzxdf8feY1sNpr8oj4HDdF3xMTB3wP56hlebmES\/QKRXS0NWjKjmgXVp0CP70hzgtz7dB5lwuYQMpVgH+bfaRJmhZnhpdxQ\/avQ=' \/>\n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_6' value='WyJbXSIsImMwZGNjMTA5ZWM0MzlkNTJlNTFkYzFmNGQ5ZWZjZTkyIl0=' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_6' id='gform_target_page_number_6' value='0' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_6' id='gform_source_page_number_6' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <input type=\"hidden\" id=\"ct_checkjs_22ac3c5a5bf0b520d281c122d1490650\" name=\"ct_checkjs\" value=\"0\" \/><script >setTimeout(function(){var ct_input_name = \"ct_checkjs_22ac3c5a5bf0b520d281c122d1490650\";if (document.getElementById(ct_input_name) !== null) {var ct_input_value = document.getElementById(ct_input_name).value;document.getElementById(ct_input_name).value = document.getElementById(ct_input_name).value.replace(ct_input_value, '76fbfa06cdd5258d5d672f52e96e341b632acb0911dc98fabc9f4d0c3fd98646');}}, 1000);<\/script><input\n                    class=\"apbct_special_field apbct_email_id__gravity_form\"\n                    name=\"apbct__email_id__gravity_form\"\n                    aria-label=\"apbct__label_id__gravity_form\"\n                    type=\"text\" size=\"30\" maxlength=\"200\" autocomplete=\"off\"\n                    value=\"\"\n                \/><\/form>\n                        <\/div>\n\t\t                <iframe style='display:none;width:0px;height:0px;' src='about:blank' name='gform_ajax_frame_6' id='gform_ajax_frame_6' title='This iframe contains the logic required to handle Ajax powered Gravity Forms.'><\/iframe>\n\t\t                <script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n gform.initializeOnLoaded( function() {gformInitSpinner( 6, 'https:\/\/skipthebank.ca\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery('#gform_ajax_frame_6').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_6');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_6').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_6').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_6').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_6').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/ jQuery(document).scrollTop(jQuery('#gform_wrapper_6').offset().top - mt); }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_6').val();gformInitSpinner( 6, 'https:\/\/skipthebank.ca\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery(document).trigger('gform_page_loaded', [6, current_page]);window['gf_submitting_6'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_6').replaceWith(confirmation_content);jQuery(document).scrollTop(jQuery('#gf_6').offset().top - mt);jQuery(document).trigger('gform_confirmation_loaded', [6]);window['gf_submitting_6'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_6').text());}else{jQuery('#gform_6').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"6\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);        if (event && event.defaultPrevented) {                return;        }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_6\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_6\";            gformWrapperDiv.insertAdjacentElement( \"afterend\", visibilitySpan );        }        const visibilityTestDiv = document.getElementById( \"gform_visibility_test_6\" );        let postRenderFired = false;        function triggerPostRender() {            if ( postRenderFired ) {                return;            }            postRenderFired = true;            gform.core.triggerPostRenderEvents( 6, current_page );            if ( visibilityTestDiv ) {                visibilityTestDiv.parentNode.removeChild( visibilityTestDiv );            }        }        function debounce( func, wait, immediate ) {            var timeout;            return function() {                var context = this, args = arguments;                var later = function() {                    timeout = null;                    if ( !immediate ) func.apply( context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} ); \n\/* ]]> *\/\n<\/script>\n<\/div>\n<div class=\"col-12 help-box\">\n<p class=\"pretitle\">Getting Approved<\/p>\n<h2>We Can Help You!<\/h2>\n<p>Have questions? Check our FAQs or reach out for a no-charge 30-minute online appointment.<\/p>\n<p>At The Mortgage Centre \u2013 Skipthebank.ca we partner with major financial institutions, we secure better rates for our clients, offering a reliable alternative to traditional lenders.\u00a0<\/p>\n<p>Contact Sandra Lastovic directly for personalized assistance. Your path to veterinary real estate ownership starts here!<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<div class=\"faqSectionHeading\">\n<p class=\"center-txt pretitle\">FAQ<\/p>\n<h2 class=\"center-txt\">Answers to Our Most Frequently Asked Questions<\/h2>\n<\/div>\n<section class=\"faqLGrey\">\n<div class=\"website-grid\">\n<div class=\"faqFlexRow faqVet faqThird\">\n<div class=\"faqCard faqFlexCol\">\n<p class=\"faqCardNumber\">01<\/p>\n<h2>What closing costs should I expect as a first-time home buyer?<\/h2>\n<p class=\"faqCardMain\">When purchasing a property in Ontario, you can expect to pay a land transfer tax. However, first-time home buyers may be eligible for a refund of up to $4K on this. Additionally, you can expect to pay legal fees of around $3K and an appraisal cost of $550.<\/p>\n<div class=\"faqCardImageandLink\">\n          <img decoding=\"async\" src=\"\/wp-content\/uploads\/2024\/05\/faqHouse.png\" alt=\"\" class=\"faqCardImage\" \/><br \/>\n          <a href=\"https:\/\/go.oncehub.com\/SkiptheBank?dt=&#038;bt=1&#038;Lightbox=1&#038;openedThroughBtn=1&#038;Si=1&#038;soskip=0\" target=\"_blank\" class=\"faqCardLink\" rel=\"noopener\">Book Consultation<\/a>\n        <\/div>\n<\/p><\/div>\n<div class=\"faqCard faqFlexCol\">\n<p class=\"faqCardNumber\">02<\/p>\n<h2>What are the eligibility requirements for a veterinarian&#8217;s mortgage?<\/h2>\n<p class=\"faqCardMain\">Recent graduates can qualify for a mortgage.<\/p>\n<p>You don\u2019t have to be established, just graduated from school and have a job\/placement.<\/p>\n<div class=\"faqCardImageandLink\">\n          <img decoding=\"async\" src=\"\/wp-content\/uploads\/2024\/05\/faq27.png\" alt=\"\" class=\"faqCardImage\" \/><br \/>\n          <a href=\"https:\/\/go.oncehub.com\/SkiptheBank?dt=&#038;bt=1&#038;Lightbox=1&#038;openedThroughBtn=1&#038;Si=1&#038;soskip=0\" target=\"_blank\" class=\"faqCardLink\" rel=\"noopener\">Book Consultation<\/a>\n        <\/div>\n<\/p><\/div>\n<div class=\"faqCard faqFlexCol\">\n<p class=\"faqCardNumber\">03<\/p>\n<h2>What types of veterinary mortgages are available?<\/h2>\n<p class=\"faqCardMain\">\n         Any mortgage that is available for all borrowers. However, we offer the Veterinarian mortgage, our program that accommodates various income structures, such as subcontractor pay, locum income, professional corporation earnings, and T4 income, addressing the complexities often overlooked by traditional bank lenders.\n        <\/p>\n<div class=\"faqCardImageandLink\">\n          <img decoding=\"async\" src=\"\/wp-content\/uploads\/2024\/05\/faq28.png\" alt=\"\" class=\"faqCardImage\" \/><br \/>\n          <a href=\"https:\/\/go.oncehub.com\/SkiptheBank?dt=&#038;bt=1&#038;Lightbox=1&#038;openedThroughBtn=1&#038;Si=1&#038;soskip=0\" target=\"_blank\" class=\"faqCardLink\" rel=\"noopener\">Book Consultation<\/a>\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-success self-success\">\n<div class=\"website-grid\">\n<p class=\"pretitle\">Mortgage for Veterinarians<\/p>\n<h2>Real Mortgage Success<\/h2>\n<div class=\"success-stories-container\">\n<div class=\"flex-row story1\">\n<div class=\"success-img sarah-img col-13\">\n                <img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/12\/SARAH.png\" alt=\"headshot photo of Sarah with cat\" \/>\n            <\/div>\n<div class=\"success-box col-23\">\n<p>Sarah, a final-year student at Veterinary College, found herself facing student loans as she pursued her education. However, she was confident in her ability to manage this financial commitment once she began her promising career. The exciting news came when she was recruited to work in a small-town practice in Ontario. Faced with the decision of whether to buy a home or rent in her new community, Sarah carefully weighed the pros and cons.<\/p>\n<p>Ultimately, she decided that purchasing a home made more sense in the long run. Despite the challenge of having only worked part-time and not yet starting her new position at the clinic, Sarah explored her options. Turning to The Mortgage Centre, she discovered a unique lending program negotiated with some of Canada&#8217;s largest non-bank lenders, exclusively available through brokers. These lenders were willing to consider Sarah&#8217;s future projected income, requiring only a 10% down payment for her to buy a home. This arrangement proved favorable, with the monthly mortgage cost comparable to rental payments. Beyond securing financing, The Mortgage Centre provided invaluable assistance by helping Sarah create a budget. This allowed her to simultaneously address her student loans and invest in a property poised to appreciate in value over the years.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"flex-row story1\">\n<div class=\"success-img sarah-img col-13\">\n                <img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/12\/VET-4.png\" alt=\"headshot photo of Ranjeet with dog\" \/>\n            <\/div>\n<div class=\"success-box col-23\">\n<p>Having devoted over a decade to a veterinary practice, Ranjeet found himself surprised when the current clinic owner expressed a desire to retire. With a house to his name and aspirations to take over the clinic, Ranjeet strategized leveraging the equity in his primary residence.<\/p>\n<p>Collaborating with The Mortgage Centre, Ranjeet successfully structured a mortgage on his home, enabling him to extend a loan to the corporation for the clinic acquisition. The Mortgage Centre&#8217;s expertise allowed him to optimize the terms, surpassing the offerings from his bank.<\/p>\n<p>This empowered Ranjeet to not only secure the clinic but also acquire the associated commercial property down the line, all with the invaluable assistance of The Mortgage Centre.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"flex-row story1\">\n<div class=\"success-img sarah-img col-13\">\n                <img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/12\/VET-5.png\" alt=\"headshot photo of Jennifer with horse\" \/>\n            <\/div>\n<div class=\"success-box col-23\">\n<p>During the challenging Covid years, Jennifer&#8217;s veterinary practice faced setbacks due to staff illnesses. With the financial situation back on track and a more positive mindset, Jennifer decided to address the high-interest debt that had accumulated.<\/p>\n<p>Seeking a solution, she reached out to The Mortgage Centre, where they diligently explored three scenarios encompassing both traditional bank financing and alternative lending.<\/p>\n<p>The presented options were transparently laid out, allowing Jennifer to choose the one that not only lowered interest costs but also facilitated debt repayment. Surprisingly, these alternatives weren&#8217;t initially presented by her primary bank. The exciting update is that Jennifer is now in the process of acquiring another veterinary clinic, a significant step forward for her growing practice and family.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>    <a class=\"prev\" onclick=\"plusSlides(-1)\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/12\/navigate_next.png\" alt=\"previous arrow\"><\/a><br \/>\n    <a class=\"next\" onclick=\"plusSlides(1)\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/12\/navigate_next.png\" alt=\"next arrow\"><\/a>\n    <\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"overview-section website-grid\">\n<div class=\"service-text\">\n<h2>Overview of our Specialized Mortgage Financing Program for Veterinarians<\/h2>\n<div class=\"orange-bar\"><\/div>\n<\/p><\/div>\n<div class=\"overview-info\">\n<div class=\"info-title\">\n<p class=\"plus-minus\">&#8211;<\/p>\n<p class=\"rotated-text\">Introduction<\/p>\n<p>01<\/p>\n<p>      <a class=\"info-select\" onclick=\"currentInfoSlide(1)\"><\/a>\n    <\/div>\n<div class=\"info-box\">\n      <img decoding=\"async\" class=\"info-pic\" src=\"\/wp-content\/uploads\/2023\/12\/goat-lady.png\" alt=\"lady petting goat\"><\/p>\n<div>\n<ol type=\"A\">\n<li>Overview of our Specialized Mortgage Financing Program for Veterinarians<\/li>\n<ul>\n<li>Tailored to your schedule<\/li>\n<li>Expertise in navigating various business structures such as professional corporations and holding companies that own real estate<\/li>\n<li>Assistance for veterinary students in their final year, helping create a budget that balances student loan repayment with home ownership goals<\/li>\n<li>Expertise in financing rural properties, a common challenge compared to urban areas<\/li>\n<li>Understanding the complexity of veterinarians&#8217; income structures, including subcontractor pay, locum income, professional corporation earnings, and T4 income<\/li>\n<li>Utilizing projected income for recent graduates or those starting their career to qualify for a mortgage with a minimum down payment of 10%, eliminating the need for a 20% down payment for properties under one million.<\/li>\n<\/ul>\n<li>Unique Features Tailored for Veterinarians<\/li>\n<ul>\n<li>Flexible payment structures to accommodate the fluctuating nature of veterinary income<\/li>\n<li>Creative financing solutions for purchasing properties in rural areas.<\/li>\n<\/ul>\n<\/ol><\/div>\n<\/p><\/div>\n<div class=\"info-title\">\n<p class=\"plus-minus\">&#8211;<\/p>\n<p class=\"rotated-text\">Program Benefits<\/p>\n<p>02<\/p>\n<p>      <a class=\"info-select\" onclick=\"currentInfoSlide(2)\"><\/a>\n    <\/div>\n<div class=\"info-box\">\n      <img decoding=\"async\" class=\"info-pic\" src=\"\/wp-content\/uploads\/2023\/12\/man-phone-laptop.png\" alt=\"man on phone and laptop\"><\/p>\n<div>\n<ul>\n<li>Competitive Interest Rates.<\/li>\n<li>Flexible Repayment Terms.<\/li>\n<li>Customized Loan Amounts Based on Veterinary Practice Needs.<\/li>\n<li>Streamlined Application Process.<\/li>\n<ul>\n<li>We understand your busy schedule, we collect information securely online, and offer virtual meetings to develop a clear plan for your real estate goals.<\/li>\n<\/ul>\n<\/ul><\/div>\n<\/p><\/div>\n<div class=\"info-title\">\n<p class=\"plus-minus\">&#8211;<\/p>\n<p class=\"rotated-text\">Eligibility Criteria<\/p>\n<p>03<\/p>\n<p>      <a class=\"info-select\" onclick=\"currentInfoSlide(3)\"><\/a>\n    <\/div>\n<div class=\"info-box\">\n      <img decoding=\"async\" class=\"info-pic\" src=\"\/wp-content\/uploads\/2023\/12\/horse-man.png\" alt=\"man with horse\"><\/p>\n<div>\n<ol>\n<li>Qualifications for Veterinarians to Participate.<\/li>\n<ul>\n<li>Last year of veterinary college or recent graduate with a minimum 10% down payment (5% from personal resources, 5% can be gifted).<\/li>\n<\/ul>\n<li>Types of Veterinary Practices Eligible for the Program.<\/li>\n<ul>\n<li>All practices, including small and large animal.<\/li>\n<\/ul>\n<li>Documentation Required for Application.<\/li>\n<ul>\n<li>Recent graduate certificate, personal T1 Generals for 2 years, Notices of Assessment from Revenue Canada for 2 years.<\/li>\n<\/ul>\n<\/ol><\/div>\n<\/p><\/div>\n<div class=\"info-title\">\n<p class=\"plus-minus\">&#8211;<\/p>\n<p class=\"rotated-text\">Application Process<\/p>\n<p>04<\/p>\n<p>      <a class=\"info-select\" onclick=\"currentInfoSlide(4)\"><\/a>\n    <\/div>\n<div class=\"info-box\">\n      <img decoding=\"async\" class=\"info-pic\" src=\"\/wp-content\/uploads\/2023\/12\/dog-laptop.png\" alt=\"dog wearing glasses using tablet\"><\/p>\n<div>\n<p>Book a no-charge 30-minutes online appointment or email us at infor@skipthebank.ca for a follow-up. Sandra Lastovic, the principal broker, will contact you within one business day.<\/p>\n<p>        <a href=\"\/contact-us\/\"><button class=\"btn-orange\">Contact Us<\/button><\/a>\n      <\/div>\n<\/p><\/div>\n<div class=\"info-title\">\n<p class=\"plus-minus\">&#8211;<\/p>\n<p class=\"rotated-text\">Partnering Institutions<\/p>\n<p>05<\/p>\n<p>      <a class=\"info-select\" onclick=\"currentInfoSlide(5)\"><\/a>\n    <\/div>\n<div class=\"info-box\">\n      <img decoding=\"async\" class=\"info-pic\" src=\"\/wp-content\/uploads\/2023\/12\/man-laptop.png\" alt=\"man on laptop\"><\/p>\n<div>\n<ul>\n<li>Information about financial istitutions involved in the program.<\/li>\n<ul>\n<li>Working with Canada&#8217;s largest non-bank lenders in both the prime mortgage and alternative sectors, offering better rates and repayment terms by negotiating on behalf of borrowers.<\/li>\n<\/ul>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"ready-to-talk service-cta\">\n<div class=\"website-grid-small\">\n<p class=\"f48\">Ready to Talk?<\/p>\n<p class=\"f40\">We\u2019ll help you get the mortgage<br \/> that\u2019s perfect <b>for you.<\/b><\/p>\n<p>        <img decoding=\"async\" class=\"rtt-logo\" src=\"\/wp-content\/uploads\/2022\/10\/favicon_260x260-200x200-2-1.png\" alt=\"\"><br \/>\n        <img decoding=\"async\" class=\"rtt-family\" src=\"\/wp-content\/uploads\/2022\/10\/nathan-dumlao-Wr3comVZJxU-unsplash-1.png\" alt=\"\"><\/p><\/div>\n<div class=\"website-grid-small flex\">\n        <a href=\"http:\/\/skipthebank.ca\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><button class=\"btn-black\">Book Consultation<\/button><\/a>\n    <\/div>\n<\/section>\n<p><script>\n    let slideIndex = 1;\n    let infoSlideIndex = 1;\n    let infoOpenIndex = 1;\n    showSlides(slideIndex);\n    showInfoSlide(infoSlideIndex);<\/p>\n<p>    function plusSlides(n) {\n      showSlides(slideIndex += n);\n    }<\/p>\n<p>    function currentSlide(n) {\n      showSlides(slideIndex = n);\n    }<\/p>\n<p>    function currentInfoSlide(n) {\n      showInfoSlide(infoSlideIndex = n);\n    }<\/p>\n<p>    function showSlides(n) {\n      let i;\n      let slides = document.getElementsByClassName(\"story1\");<\/p>\n<p>      if (n > slides.length) {\n        slideIndex = 1;\n      }<\/p>\n<p>      if (n < 1) {\n        slideIndex = slides.length;\n      }\n  \n      for (i = 0; i < slides.length; i++) {\n        slides[i].style.display = \"none\";  \n      }\n  \n      slides[slideIndex-1].style.display = \"block\";  \n    }\n\n    function showInfoSlide(n) {\n      let i;\n      let info = document.getElementsByClassName(\"info-box\");\n      let titles = document.getElementsByClassName(\"info-title\");\n      let open = document.getElementsByClassName(\"plus-minus\");\n  \n      for (i = 0; i < info.length; i++) {\n        info[i].style.display = \"none\";  \n      }\n  \n      info[infoSlideIndex-1].style.display = \"flex\";  \n\n      for (i = 0; i < titles.length; i++) {\n        titles[i].style.backgroundColor= \"#D9D9D9\"; \n        titles[i].style.color= \"#000\"; \n        open[i].innerHTML= \"+\"; \n      }\n  \n      titles[infoSlideIndex-1].style.backgroundColor = \"#fff\"; \n      titles[infoSlideIndex-1].style.color= \"var(--orange)\"; \n      open[infoSlideIndex-1].innerHTML= \"-\";\n \n    }\n\n  <\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mortgages for Veterinarians Here at The Mortgage Centre, we understand the unique needs of veterinary professionals and&#8230;<\/p>\n","protected":false},"author":16,"featured_media":0,"parent":2718,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"0","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"class_list":["post-14353","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages\/14353","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/comments?post=14353"}],"version-history":[{"count":0,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages\/14353\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages\/2718"}],"wp:attachment":[{"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/media?parent=14353"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}