Dentists are treated as medical professionals by most lenders — which means access to the same favourable policies. Many lenders waive Lenders Mortgage Insurance (LMI) for eligible dentists, allow borrowing up to 90% and in some cases 95% of the property value without it, and offer professional-package pricing.
Where dentists differ from salaried doctors is income: many are practice owners, partners or contractors rather than PAYG employees, so how your income is documented matters as much as the profession itself. Ausfirst Lending Group is a Sunshine Coast finance advisory business — we present your income the way lenders assess it and match you to the right dental policy across a panel of more than 40 lenders.
Whether you’re an employed associate, a contractor on an ABN, or an owner running a practice, the starting point is the same: matching your income structure and profession to the lender whose policy suits you.
Many lenders waive LMI for eligible dentists, even with a deposit under 20%.
Owner, partner, associate or ABN — we present it the way lenders read it.
The same person from first chat through to settlement.
Dentists usually qualify for the same medico lending benefits as doctors, including waived LMI and higher LVRs. The difference is that many dentists earn through a practice, a partnership or a contractor ABN rather than a flat salary — and that’s where files get knocked back or under-assessed. Get the income presented correctly, to a lender that recognises the profession, and both sides work in your favour.
Where being a dental professional genuinely changes the deal — subject to lender policy and eligibility:
Many lenders waive LMI for eligible dentists even with a deposit under 20% — often up to 90%, and in some cases 95%, of the property value. On a larger purchase that can save thousands upfront. The exact LVR and eligibility depend on the lender and your circumstances.
As a recognised medical professional, you may be able to borrow more than a standard applicant on the same income — useful for a higher-value home or an investment purchase.
Many lenders offer dentists discounted or professional-package rates, reflecting the low risk the profession represents. Over the life of a loan that can be a meaningful saving.
Offset accounts, redraw and flexible repayments help you manage the loan around practice income, drawings and variable months — matched to how you’re actually paid.
This is where a dentist file is won or lost. How you earn changes what a lender will count:
If you’re salaried, your income is straightforward — usually 100% of base pay, with consistent bonuses and overtime counted in part. This is typically the simplest path.
Self-employed income is read from your returns and the business accounts, with add-backs for depreciation, one-off costs and extra super. Presented well, your assessable income is often above your taxable figure.
Many associates invoice through an ABN. Some lenders assess this like self-employment; for newer ABNs, a low-doc approach using BAS and bank statements can work — see also self-employed home loans.
Lenders offering dental policies generally want current AHPRA registration as a dentist. It’s the evidence that unlocks the profession-based benefits.
The benefits are real, but a dentist loan should still be a clear-eyed decision:
A higher approval isn’t a target. Borrowing to the ceiling can strain cashflow if practice income dips — we size the loan to what’s comfortable.
Drawings and profit move month to month. A lender wants to see a sustainable picture, so a solid quiet-period buffer helps the file and your peace of mind.
On a variable rate, repayments move with the market. Build in room for rate rises before you stretch to the top of your budget.
The value is matching the medico benefit to the way you actually earn:
Which lenders waive LMI for dentists, at what LVR, and who reads practice and contractor income best — so your profession works for you instead of being averaged into a generic policy.
Add-backs, service trusts, ABN income and low-doc options — we handle this every week, so a practice owner or contractor isn’t undersold at application.
You work directly with Richard Luke, our director, with more than 30 years in Queensland lending — not a call centre.
For most home loans our service is provided at no direct cost to you, because the lender pays us a commission on settlement. We explain and disclose any fees before you proceed.
A simple, four-step process built around advice before commitment:
We work out what you can borrow once your income is read properly, and which dental policies you qualify for — no cost, no pressure.
We assess the panel and recommend the lender whose medico policy and income rules best fit how you earn.
We prepare and submit everything — including your AHPRA and income evidence — and liaise with the lender and solicitor for you.
We see it through to settlement and review your loan at six months to check it remains competitive.
Tell us how you earn — employed, contractor or practice owner — and what you’re buying, and we’ll show you which dental benefits you qualify for and what you can borrow. A quick, obligation-free chat is the best place to start.
Prefer to talk in person? We’re based in the heart of Caloundra and happy to sit down with you for an obligation-free chat.
Suite 3/74 Bulcock Street
Caloundra QLD 4551
Phone: (07) 3916 7070
Open Monday to Friday, and by appointment.
Often, yes. Many lenders treat dentists as medical professionals and waive LMI for eligible applicants, in some cases up to 95% of the property value. It is not automatic — eligibility depends on the lender and your circumstances — so we confirm it before you rely on it.
No. Employed associates, contractors on an ABN and practice owners can all access dentist policies. What changes is how your income is assessed, not whether you qualify for the profession-based benefits.
Usually from your tax returns and the business accounts, with add-backs for depreciation, one-off costs and additional super. For newer ABNs, some lenders will consider a low-doc approach using BAS and bank statements. Presented well, your assessable income is often higher than your taxable figure.
Often, yes. Contractor income is assessed more like self-employment, but many lenders still extend dentist LMI and pricing benefits where you are AHPRA-registered and the income is consistent. The right lender match is the key.
For most home loans, no. Our service is generally provided at no direct cost to you because the lender pays a commission on settlement. We disclose any fees that do apply before you proceed.
At Ausfirst Lending Group, we understand that medical and healthcare professionals need more than just a loan—they need a lending partner who appreciates their unique journey. Whether you're a doctor, nurse, dentist, or allied health specialist, we provide tailored home loan solutions with personal guidance, LMI waivers, and flexible options that fit your career and lifestyle. With Richard’s 30+ years of hands-on broking experience, we ensure your loan process is managed with care, transparency, and expertise from start to finish
Educators play a vital role in shaping future generations, and we’re here to ensure their home loan journey is just as rewarding. Whether you're a school teacher, early childhood educator, university lecturer, or support staff member, we offer home loan solutions designed to recognise your dedication to the community. From exclusive lending benefits to flexible loan structures, we simplify the process so you can focus on what you do best—teaching and supporting others.
For those who serve and protect—whether in law enforcement, emergency services, legal professions, or defence—navigating the home loan process should be as straightforward as possible. We offer tailored mortgage solutions that acknowledge the unique demands of your profession, providing structured lending benefits, flexible options, and personalised support.
From police officers and firefighters to lawyers and defence personnel, we’re here to simplify your path to homeownership with solutions designed around your service.
