LMI often waived
Many lenders waive LMI for eligible dentists, even with a deposit under 20%.
FOR DENTAL PROFESSIONALS
Home loans for dentists.
Medico lending terms.
Income presented properly.
Most lenders treat dentists as medical professionals, with LMI often waived up to 90%, and sometimes 95%, of the property value, plus professional-package pricing. Whether you’re an associate, a contractor on an ABN or a practice owner, we match your income structure to the right dental policy across our panel of 40+ lenders. Personal guidance from Ausfirst Lending Group in Caloundra.
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Associate, contractor or owner.The right policy for how you earn.
LMIoften waived
up to 90%.
up to 90%.
40+Lenders on our panel
30+ yearsRichard’s lending experience
$0Broker fee for home loans
Local careQueensland-wide
MEDICO TERMS, WITH A TWIST
Medico terms.
Income is the variable.
Dentists usually qualify for the same medico benefits as doctors. The difference is that many earn through a practice, partnership or ABN, and that’s where files get knocked back or under-assessed. Present the income correctly to a lender that recognises the profession, and both work in your favour.
Practice income understood
Owner, partner, associate or ABN, presented the way lenders read it.
One broker throughout
The same person from first chat through to settlement.
Been under-assessed before? Practice and ABN income is often worth more to the right lender than your taxable figure suggests.
Start with a free chatTHE ADVANTAGES
Where being a dentist
changes the deal.
Subject to lender policy and eligibility.
Waived LMI
Often up to 90%, and in some cases 95%, of the property value. On a larger purchase, that can save thousands upfront.
Higher LVRs
Medico policies can let you buy a higher-value home or investment with a smaller deposit.
Professional pricing
Discounted or package rates reflecting the profession’s low risk, a meaningful saving over the loan’s life.
Flexible features
Offset, redraw and flexible repayments to manage around practice income and drawings.
HOW YOU EARN
Associate, contractor or owner?
| What changes | Associate | ABN contractor | Owner |
|---|---|---|---|
| Income proof | Payslips | Returns or BAS | Returns and accounts |
| Assessment | Base pay, part bonuses | Like self-employed | Profit plus add-backs |
| Dentist benefits | Yes | Often | Yes |
| Complexity | Simplest | Lender-dependent | Most detail |
Lender policies vary. Benefits generally need current AHPRA registration as a dentist.
Check my optionsKNOW YOUR NUMBERS
Keep more of
your capital.
A smaller deposit without LMI leaves more cash for your practice, an offset account or your next investment.
We check which lenders waive LMI for dentists, at what LVR, and whether their loan limits fit your purchase.
- Your AHPRA registration
- The lender’s waiver LVR
- Maximum loan size under the waiver
- Stamp duty and buying costs
YOUR WAIVER, AT A GLANCE
How much could you keep?
$200k$4m
Capital kept vs a 20% deposit$120,000
Deposit needed with waiver$120,000
Your savingsCovered, $30,000 spare
Illustration only, not a borrowing assessment. Excludes stamp duty and buying costs. Eligibility, waiver LVRs and loan limits vary by lender.
Check my actual optionsHOW YOUR INCOME IS ASSESSED
Where a dentist file
is won or lost.
How you earn changes what a lender will count. Salaried associates are usually assessed on 100% of base pay, with consistent bonuses and overtime counted in part.
PRACTICE OWNER OR PARTNER
Often worth more than your taxable income.
Self-employed income is read from your returns and business accounts, with add-backs for depreciation, one-off costs and extra super.
Presented well, your assessable income is often above your taxable figure. Service trusts and partnerships need careful presentation.
Invoicing 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 self-employed home loansThe key to the benefits
Lenders offering dental policies generally want current AHPRA registration as a dentist. It’s the evidence that unlocks profession-based terms.
Lender policies on dentist waivers, LVRs and income assessment vary and can change.
Let’s present your income properly. We’ll work through your structure and match you to the right lender.
Check my next stepsTHINGS TO WEIGH UP
Real benefits.
A clear-eyed decision.
A dentist loan should still fit your life, not just the lender’s limit.
Borrow for your life
A higher approval isn’t a target. We size the loan to what’s comfortable.
Variable practice income
Drawings move month to month. A quiet-period buffer helps the file and your peace of mind.
Rate movements
Build room for rate rises before stretching to the top of your budget.
Waiver loan caps
Waivers often cap the loan size, which matters on larger purchases.
WHY DENTISTS WORK WITH AUSFIRST
The medico benefit,
matched to how you earn.
Your profession should work for you, not be averaged into a generic policy.
We know medico policies
Which lenders waive LMI for dentists, at what LVR, and who reads practice income best.
We speak self-employed
Add-backs, service trusts, ABN income and low-doc options, every week.
The same person
You work directly with Richard Luke, not a call centre.
No direct cost
Lenders pay us on settlement. We disclose any fees before you proceed.
Not a dentist? Other health professionals may qualify for similar waivers.
Explore LMI waived loansHOW WE WORK
Advice before
commitment.
A simple process built around reading your income properly before anything is lodged.
CONVERSATION
An obligation-free chat
We work out what you can borrow once your income is read properly.
ELIGIBILITY
Check dental policies
Which waivers, LVRs and pricing you qualify for.
STRATEGY
Recommend the lender
The medico policy and income rules that best fit how you earn.
APPLICATION
We handle it
Including your AHPRA and income evidence, liaising with lender and solicitor.
SETTLEMENT
See it through
We coordinate settlement and keep you informed.
AND BEYOND
Six-month review
We review your loan to check it remains competitive.
Richard LukeFounder · Ausfirst Lending Group
WHAT MAKES AUSFIRST DIFFERENT
Your practice is personal.
Your broker should be, too.
You’re looked after by someone who treats your financial success as his own.
You work directly with Richard, the founder, who brings over 30 years of lending experience across Queensland. He personally manages every stage of your loan.
Whether you’re buying your first home, refinancing, upgrading or growing a portfolio, he knows the professional loan products selected lenders offer dentists.
Direct access to RichardPractice income understood2024 Sunshine Coast Business Awards finalist
Talk to a broker
More about RichardWHAT OUR CLIENTS SAY
Good people.
Great support.
ExcellentBased on 35 Google reviews
Google review
“I would describe Richard and Ausfirst Lending as friendly, insightful, prompt and diligent. A pleasure to deal with.”
Google review
“Thanks to Richard and Debbie and the team at Ausfirst Lending… They are the gurus of self employed loans. I highly recommend their services.”
Google review
“I received very prompt responses to all of my questions and the team ensured that my application was processed in a timely manner. The service was brilliant!”
Excerpts from client reviews displayed on Ausfirst’s website. These reflect individual experiences.
LET’S CLEAR THINGS UP
Loans for dentists.
Real questions.
The questions dentists ask us most. Your income structure matters, so we’re happy to talk through the detail.
Ask a questionCan dentists get a home loan with no LMI?
Often, yes. Many lenders treat dentists as medical professionals and waive LMI for eligible applicants, in some cases up to 95%. It isn’t automatic, so we confirm it before you rely on it.
Do I need to own a practice to qualify?
No. Associates, contractors and practice owners can all access dentist policies. What changes is how your income is assessed.
How is a self-employed dentist’s income assessed?
Usually from tax returns and business accounts, with add-backs for depreciation, one-off costs and extra super. Newer ABNs may suit a low-doc approach using BAS and bank statements.
Can an associate on an ABN get medico benefits?
Often, yes. Many lenders still extend dentist LMI and pricing benefits where you’re AHPRA-registered and income is consistent.
Can I use a dentist waiver for an investment property?
Some lenders allow it; others limit waivers to owner-occupied homes or lower LVRs. We’ll check which suit your plans.
Does using a broker cost more?
For most home loans, no. Lenders pay us a commission on settlement. We disclose any fees that apply before you proceed.
START WITH A CONVERSATION
Talk to a broker who
knows dentist lending.
Tell us how you earn and what you’re buying. We’ll show you which dental benefits you qualify for and what you can borrow.
LMI waiver eligibility checked
Practice and ABN income read properly
Direct access to Richard
Visit our Caloundra office
Suite 3/74 Bulcock St, Caloundra QLD 4551
Monday–Friday, and by appointment
YOUR FREE CONSULTATION
Tell us how you earn.
Employed, contractor or practice owner, and what you’re buying.
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