When securing a loan feels challenging, we step in with tailored guidance. Our specialist mortgage brokers understand the unique financial circumstances dentists may face when applying for home loans.
Our brokers bring firsthand experience from working inside major Australian banks, which gives them a practical understanding of how lending decisions are made. This background allows us to support dentists in preparing their applications for home loans for dentists in a way that could align with common lender expectations.
Our team includes experienced brokers who have been recognised among Australia’s leading mortgage professionals. No matter who you speak with, you’re working with someone well-versed in the mortgage industry.
Get in touch today, and we’ll help you explore loan options that align with your goals.
As a dentist, you dedicate your career to creating healthy smiles. You may also be eligible for home loan products tailored to professionals in the medical field.
Standard home loans might not always accommodate the income structure, career trajectory, or schedule of health professionals. Some lenders offer home loan options for dentists that include features such as potential discounts and LMI waivers, depending on individual circumstances.
At Ausfirst Lending Group, we’ve supported many dentists in applying for 95% LVR home loans without Lenders’ Mortgage Insurance (LMI), where eligible under lender criteria.
We aim to simplify the process so you can stay focused on your career with less stress.
Dentists, like other health professionals, often have unique financial profiles. Some lenders offer 95% LVR home loans to eligible medical professionals without requiring LMI.
We work with a wide range of banks that may provide competitive interest rates and benefits tailored for certain professions. Individual eligibility will depend on the lender’s criteria and your financial situation.
Consider a general example: if you’re a dentist in Sydney looking to purchase a $970,000 property with a 90% loan-to-value ratio (LVR), you might be borrowing around $873,000. In this case, Lenders Mortgage Insurance (LMI) could apply, depending on the lender’s criteria. LMI is designed to protect the lender in the event the borrower defaults on the loan and is typically paid upfront or added to the total loan balance.
The cost of LMI depends on factors such as:
Securing the right loan should be a personal journey, not a transaction. That's why when you choose us, you deal directly with Richard, the founder, who brings over 30 years of hands-on experience managing diverse loan projects across Queensland.
Unlike larger brokerages where you become just another file number, Richard personally oversees every client's loan process—whether you're purchasing your first home, refinancing, expanding your investment portfolio, or acquiring commercial equipment. His extensive industry knowledge ensures you receive tailored advice, a smooth application experience, and solutions that align with your long-term financial goals.
We’re not just mortgage brokers; we’re your trusted lending partners. With a commitment to transparency, accessibility, and genuine care.
In other words, you are not passed between departments—you are looked after by someone who treats your financial success as his own.
Speak to Richard Today →Whether you're buying your first home, refinancing, or exploring loan options through a trust or SMSF, we’re here to guide you every step of the way. As your trusted Mortgage Broker on the Sunshine Coast, we offer personalised advice tailored to your needs.
Location: Suite 3/74 Bulcock St, Caloundra QLD 4551
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For buyers and homeowners managing their own property needs.
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Save thousands by avoiding Lenders Mortgage Insurance with our waived options and find out about our unique loan strategies.
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Tailored for self-employed professionals and business owners who may not have traditional income verification.
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With a Family Guarantee Home Loan, your parents or close family members can help you enter the property market by using their home equity as security.
Leverage Family SupportAt 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
Designed to accommodate complex income structures like private practice, hospital rosters, and ABNs.
Get Doctor-Specific Rates
Flexible loan terms aligned with shift work schedules and frontline service benefits.
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Mortgage options that recognise the cash flow patterns of clinic-based professionals.
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Customised loans for optometrists balancing practice ownership and salaried roles.
Explore Optometrist Packages
Designed to support pharmacists navigating retail, hospital, or business ownership income structures.
Mortgage Options for Pharmacists
Tailored lending for physiotherapists in private clinics or mobile practices.
Loans Designed for Physio
Loan programs suited to private practice psychologists and those in multidisciplinary clinics.
See Psychologist Lending BenefitsEducators 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.
Mortgage solutions that support educators with steady incomes and eligibility for LMI waivers.
Discover Teacher ProgramsFor 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.
Structured home loans for legal professionals with scalable borrowing capacity as careers progress.
See Legal Lending Benefits
Reliable mortgage options designed for law enforcement with steady service incomes and allowances.
Secure Police Offers
Flexible lending for self-employed tradies with fluctuating incomes and contractor work history.
See Tradie Home Loans
Flexible lending tailored to business owners and freelancers with variable documented income.
Apply as Self-Employed
Structured loan solutions designed for accountants with layered income sources and business deductions.
See Accountant Lending Solutions
Lending options structured for engineers with contract-based or salaried employment structures..
Loan Packages for EngineersWe begin by understanding your unique goals and needs through an initial consultation (via phone, Zoom, or in person).
We gather key information to validate your financial situation and lay the foundation for the right loan strategy.
We carefully review your options and craft a lending strategy tailored to your specific needs and objectives.
We prepare and submit your application to the lender, ensuring everything is in order.
We manage the settlement process, keeping you informed every step of the way and making sure everything proceeds seamlessly.
We provide continuous support and review, offering updated loan options as your needs evolve over time.
We don’t just find you a loan that fits; we aim to get one that exceeds your expectations in terms of rates, options, and service.
We work with over 40 lenders, including big banks and non-bank lenders, giving you unparalleled mortgage choice—you have plenty of options to choose the most suitable home loan for you.
Our team is dedicated to guiding you throughout your homeownership journey, whether it’s securing your first home or an additional investment property. We provide ongoing support, including a 6-month review process to keep your loan competitive.
Every mortgage broker on our team has over 10 years of industry experience, ensuring expert advice every step of the way.
We tailor home loan solutions that prioritise your best interests, not the bank’s.
Our entire process is transparent and easy to understand, making the entire journey hassle-free.
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Ausfirst Lending Group Australian Credit Licence Number: 387366 | ABN: 68 845 798 048
Finsurance Pty Ltd t/a Ausfirst Lending Group credit representative number 414391. Finsurance Pty Ltd is a credit representative of Oshawa Pty Ltd Australian Credit Licence number 387366. AFCA 42404
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