Home Loans for Dentists
- We access dental professional packages where your profile matches the lender’s published medico or dental list.
- LMI waivers at high LVR may apply when you meet registration, income, and loan cap rules - each bank differs.
- We explain annual package fees, offset accounts, and revert rates so comparisons stay apples-to-apples.
- Purchase or refinance cashback is quoted only when live; campaigns expire and eligibility is lender-specific.
- Rates are indicative until credit assessment completes - we set expectations from real policy, not rumours.
Dentist home loans
What we lock in for eligible dentists
Help with medico-style discounts, LMI rules at 90% or 95% LVR, and how banks treat associate agreements, NHS or private billings, and practice ownership.
Dental professional pricing
When you qualify, we show discounted tiers against the lender’s standard variable or fixed so you can see lifetime cost, not a teaser.
Enquire nowLMI policy for high LVR
90% or 95% scenarios are common talking points - your actual maximum LVR without LMI depends on income, loan size, and postcode in that lender’s grid.
Enquire nowPractice and associate income
We package PAYG, contractor, or practice distributions the way credit assessors expect, reducing surprises at conditional approval.
Enquire nowEligibility
Who lenders usually include in dentist programs
Banks typically want AHPRA dental registration, an eligible role, and income that fits their dental professional definition. Specialist titles may access higher loan caps on some products.
Recent graduates may have pathways with guarantors or lower LVR - we outline realistic options rather than generic headlines.
- General or specialist dental registration accepted by the lender, plus employment or practice structure they recognise.
- Evidence of income: payslips, distribution statements, or partnership accounts depending on how you earn.
- Security and loan amount within that bank’s professional maximums - investment vs owner-occupied rules can differ.
Three easy steps
From first chat to settlement, it's as easy as 1, 2, 3!
Understand your needs
In our first 20-minute chat, we explore your situation and what you want to achieve, so we know we're on the same page from day one.
Reviewing your options
Within a few days, we send clear recommendations from our lender panel and answer your questions: no jargon, just next steps.
Approval through to settlement
When you're ready, we prepare your application, deal with the lender, and stay on top of the process until your loan settles.
FAQ
Home loans for dentists - common questions
Can I borrow 95% without LMI as a dentist?
Some lenders offer very high LVR waivers for eligible dental professionals; others cap at 90%. Your loan amount, location, and income determine what is actually available - we verify against current credit guides.
How do banks treat associate agreements?
Lenders may take percentage of billings, minimum guarantees, or historical averages. We present income consistently with payslips, BAS, or tax returns so assessors can sign off without rework.
I’m buying into a practice - does that affect my home loan?
Business debt and personal guarantees can affect serviceability. We model both your home purchase and practice liabilities so you don’t get approved for one and declined on the other.
Do specialists get higher loan caps?
Often yes on medico-style products - banks sometimes lift maximum exposure for recognised specialist registration. Limits still apply to total debt and security location.
Do I pay a broker fee?
For most residential loans we’re paid by the lender on settlement. We disclose this upfront.
Can a mortgage broker in Sydney help dentists who live interstate?
Yes. Lender policy is national. Our office is in Brookvale on the Northern Beaches; most of the work happens by phone, video and secure document upload.
How do I start an enquiry?
Use the form on this page or call 1300 992 837. The first conversation is no-obligation — we confirm whether a professional program is realistic before you pay application or valuation fees.
Do you have a Northern Beaches office?
Yes. Approved Property Finance is at 2/658 Pittwater Road, Brookvale NSW 2100.
Our lenders
We compare offerings from 70+ banks and non-bank lenders to find a fit for you
More choice means a better chance of matching your scenario, whether you're buying, investing, or refinancing.
- CommBank
- Westpac
- ANZ
- NAB
- Macquarie
- ING
- Suncorp
- Bankwest
- St.George
- BankSA
- ME Bank
- Bluestone
- Adelaide Bank
- Citi
Enquire about dentist home loans
Tell us if you’re an associate, principal, or employee, and whether you’re buying a home or clinic-related property - we’ll align you with lenders that understand dental income.