No LMI options through selected lenders
Eligible dentists may borrow at higher LVRs without Lenders Mortgage Insurance through selected lender programs. Subject to policy.
← Medical & health professionals
Home loans for dentists.
Home loan guidance for dentists who want to buy sooner, avoid unnecessary costs and structure lending around their income. Subject to assessment and current lender policy.
Who this is for
Built for dentists like you.
- General dentists and dental specialists
- Orthodontists and oral health professionals where eligible
- Associate dentists and contractors
- Practice owners and partners
- Dentists buying their first home
- Dentists refinancing or investing
Lending advantages
What may be available to you.
Several lenders apply specific policies to your profession. Eligibility, limits and pricing vary - subject to assessment.
Practice owners vs employed dentists
We choose lenders that read business income from a dental practice correctly rather than discounting it heavily.
Using contractor income properly
Associate dentists on ABN income may be assessed favourably with the right lender and clean income history.
Buying a home while growing a practice
Personal and business lending should fit together. We coordinate both so practice growth doesn't compromise the home loan.
Common challenges
Where this profession often hits friction.
Recent practice purchase or expansion
New business debt can compress serviceability on paper. Lender choice and add-backs make a material difference.
Associate vs principal income
How you structure your associate or principal income affects how each lender reads it.
Mixed PAYG and ABN income
Many dentists hold both PAYG and contractor income - packaged together it can be powerful, but only with the right lender.
How we help
Strategy first. Loan second.
Our process is the same for every client - understand the situation, model it against selected lenders, then recommend a path. No pressure, no surprises.
- 01Confirm dental LMI waiver eligibility across our lender panel.
- 02Combine employed, contractor and practice income properly.
- 03Coordinate with your accountant on practice debt and structures.
- 04Model borrowing capacity across multiple lender scenarios.
- 05Annual loan review for as long as you're a client.
Documents to have ready
Make the first conversation faster.
- AHPRA registration
- Payslips or service contract
- Last 2 years tax returns if self employed
- Business financials if practice owner
- Details of business debts
- Existing loan statements
FAQs
Common questions.
Can dentists get no LMI home loans?+
Eligible dentists may borrow at higher LVRs without LMI through selected lender programs. Subject to assessment.
Can dental practice owners qualify?+
Yes. Selected lenders read dental practice income properly. We choose lenders that respect the strength of the underlying practice.
Do associate dentists qualify?+
Yes. Associate income - whether PAYG or ABN - is acceptable with the right lender and a clean income history.
Can dentists use investment lending?+
Yes. Many dentists build property portfolios - we model serviceability across the full picture.
What documents should dentists prepare?+
AHPRA registration, recent payslips or service contracts, tax returns if self employed, business financials for practice owners and current loan statements.
Want to know what you may qualify for?
Send us a few details and we will check your options with current lender policy.
Every lender has different rules. Your eligibility depends on your income, deposit, credit history, property type, location, existing debts and the lender policy at the time of application.
This information is general only and does not consider your personal situation. Lending options, LMI waivers, interest rates, loan amounts and approval requirements vary by lender and can change at any time. We will check your circumstances against current lender policy before making any recommendation.