Specialist finance for Dentists

New graduate and associate. Commission and percentage-based associate income confuses generalist lenders. Presented properly it supports strong home lending, and it is the base your first practice application will be judged on.
First-time practice owner. Many dentists buy in or buy outright within their first decade. Up to 100% goodwill lending on practice purchases means the deposit is rarely the barrier dentists assume it is; structure and lender choice are. The same strength backs finance for orthodontists.
Established owner. Expansion, second locations, surgery refits and the equipment upgrades that keep patients coming, funded so the practice pays for its own growth.
Every stage. How your income is presented is the critical piece. Sole trader, company, trust, multiple practices: the right lender reads that as a strong dental income, not complexity.

Buying a practice, buying into one, or starting cold: each has its own lending path, and generalist banks routinely misprice all three. Up to 100% goodwill lending is available on practice purchases, and fitout lending can carry a new surgery through to cash flow. See dental practice finance for how purchase, startup and expansion lending is structured.

Dentistry is the most equipment-intensive profession we work with. Chairs and surgery setups, CBCT and OPG imaging, intraoral scanners, CAD/CAM milling, lasers, sterilisation and practice IT: each purchase is a clinical decision and a financial one, and the finance should never hold back the clinical outcome.

We work with you, the dental equipment supplier and a panel of specialist lenders to match the structure to the asset: chattel mortgage where ownership and depreciation matter, lease or rental where flexibility and upgrades matter. Funding can often cover the full equipment cost with no capital outlay upfront, and repayments can be shaped around the revenue the equipment generates, structured in line with your accountant's advice so it is as cash flow effective and tax effective as it can be. That keeps working capital in the practice, where it earns more than it does inside a machine.

Timing matters too. Equipment bought as part of a purchase or fitout is usually better funded within that facility than bolted on afterwards, which is why we plan practice and equipment lending together. For funding structures across the wider medical space, see medical equipment finance.

Eligible dentists can typically borrow up to 95% LVR with no LMI, with associate and self-employed incomes assessed sensibly by the right lender. If practice ownership is also on your horizon, sequencing the two applications properly usually beats doing them separately. See the full guide to home loans for dentists.

Personal car, practice car or salary packaged: leases, novated leases and chattel mortgages each suit a different setup. See car finance for the options and how we structure them for dental incomes.

Many dentists use self-managed super to buy their practice premises, paying rent to their own fund rather than a landlord. It is a complex, rules-heavy area where structure matters as much as rate. See SMSF lending for how we work alongside your accountant and advisers. We arrange the lending; we do not provide financial advice.

1. Today: talk to a specialist. 15 minutes on your situation and goals. No credit check, no cost.
2. Within 48 hours: your lending strategy. Which lenders fit your stage and structure, what you can borrow, what it costs.
3. Application to approval. We package, submit and chase. Timing depends on the lender and the deal, and you will always know where things stand.
4. Beyond settlement. Practices grow and equipment ages. We stay your specialist for the loans that come after.