Considering A Home Loan As A Dentist? Let’s “Floss” Out The Details!

Even high-income dentists can be under-assessed if lenders treat their income like a standard salary, especially if you run your own practice, contract, or have variable income.

Fortunately for you, our specialist lenders:

  • Recognise your income potential
  • Allow you to borrow up to $5M with flexible terms
  • Count 100% of your current practice or contract income
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16+ years in business
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$5 billion+ loans settled
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Fast & confidential loan process
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Say Goodbye to $15,000+ in Lenders Mortgage Insurance (LMI)

Borrowing more than 80% of a property’s value generally means having to pay LMI. This upfront cost can be anywhere from $15,000 on a $1,000,000 property, with a 90% loan.

What many dentists don’t realise is that some lenders assess dentists differently. In certain cases, this can mean borrowing up to 95% of the property value without paying LMI, simply because of how your profession and income are viewed.

It’s one of several reasons dentist home loans often work differently from standard loans.

What Type Of Dental Professionals Qualify?

A – G

  • Endodontists
  • Geriatric Dentists
  • Gum Specialists

O – P

  • Oral Pathologists
  • Orthodontists
  • Paediatric Dentists
  • Periodontists
  • Prosthodontists
  • Public Sector Dentists

R – Z

  • Remote Area Dentists
  • Restorative Dentists
  • Senior Dental Officers
  • Special Needs Dentists
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Your Borrowing Power Needs More Than A Routine Check-Up!

Lenders may not assess dentist incomes like standard salaries, especially if you have your own practice. This guide explains how lender policy, income structure, and timing affect what you can actually borrow, and how to avoid being under-assessed.

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What You’ll Learn

  • How banks actually assess dentist income and where they often get it wrong

  • Why two lenders can give dentists very different borrowing outcomes

  • How income structure, lender policy, and timing affect your real borrowing power

  • Common borrowing power traps dentists fall into (without realising it)

Get the free dentist-only guide and gain clarity on your borrowing power before you speak to a bank or lender.

Borrow smarter as a high-income dentist

Learn how income structure and lender policy can all play a role in deciding your borrowing power.

  • Step 1: Download the Dentist Guide

    Learn how dentist income is assessed

  • Step 2: Use the Checklist

    Ensure you are ready to apply

  • Step 3: Speak With A Mortgage Broker

    Get personalised guidance from a specialist broker