5.29
%
p.a.
Interest rate *
LMI waivers up to 100% LVR, premium rates, and practice purchase finance, all under one specialist team.
AHPRA-registered dentists qualify for LMI waivers up to 100% LVR, premium interest rates, and enhanced borrowing capacity through every major lender’s medical division. Most dentists are also business owners buying into practices, financing fit-outs, or purchasing commercial premises. We structure home and practice lending together so the two work in concert rather than in competition.
* 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.
Dentist in modern surgery — clean, professional, contemporary equipment
Lender policies, LMI waiver caps and income assessment vary by the kind of doctor you are. Pick your goal:
Top-tier medical-pro program access for AHPRA-registered dentists — borrow up to 100% of property value with no LMI.
Medical-pro pricing tiers, usually 0.2–0.3% below standard owner-occupier rates.
Many lenders apply 6–7x income multiples for dentists vs the standard 5–6x — and credit private practice billings at full value.
We structure home loans alongside practice purchase, fit-out and commercial property finance so the package works as one.
Orthodontists, periodontists, endodontists, prosthodontists, oral surgeons and other dental specialists are typically treated under the same medical-pro programs as general dentists with the same LMI waiver caps and lender access. Specialists often borrow more due to higher income, and frequently benefit from combined home and specialist practice financing.
Associate dentistry fees, practice ownership distributions, salaried hours, specialist billings.
Across both home and business finance — sometimes the same lender, often two.
Sit back and let us to the heavy lifting. It’s our job to keep finance simple.
Enjoy your new practice, home, or investment.
Every loan product an Australian dentist is likely to need, under one specialist team.
100% LVR, no LMI, 0.3% below market rate through medical-pro program.
Combined home loan + practice partnership finance, structured for asset protection.
Equipment finance + practice loan + home refinance package — released equity, expanded chairs.
Construction loan + commercial property finance for purpose-built specialist clinic.
Every loan product an Australian dentist is likely to need.
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.
Yes — most major Australian lenders include AHPRA-registered dentists in their top-tier medical-pro programs alongside doctors, with LMI waivers up to 100% LVR.
Yes — dental specialists are typically grouped with general dentists in lender medical-pro programs, often with slightly higher loan-size caps due to higher income.
Yes — practice purchase, partner buy-in, fit-out and equipment finance are all available. We structure these alongside home lending where it makes sense (often it does).
Yes — associate dentists qualify under the same programs as practice owners. Income assessment differs (associate fees vs partnership distributions) but eligibility is the same.
Yes — most medical-pro programs cover dentists from graduation onward, provided AHPRA registration is current. Income evidence requirements may be slightly higher in the first 6–12 months.
Yes — locum dental work is treated similarly to locum medical work. The right specialist lender will credit consistent locum income at full value.