Home Loans for Dentists

Yes. Dentists with AHPRA registration qualify for medico lending policies: typically up to 95% LVR with no LMI, and income assessed on trajectory rather than just payslips. Medico policy can also be flexible for medicos, and knowing which lender treats dentists best at your career stage is exactly the kind of detail a specialist carries in their head.

This is where dentists most often leave money on the table. Many dentists work as sole traders or through companies and trusts, earn across multiple practices, or have recently stepped from employed associate to practice owner. Presented poorly, that reads as complexity and shrinks your borrowing power. Presented properly, with the right structure and the right lender, it reads as what it is: a strong, growing professional income.

Eligible dentists can typically borrow up to 95% LVR with no LMI. On an $800,000 home, skipping LMI at 95% saves around $31,000 (calculation as at July 2026).

Deposit. Typical bank: 20% deposit on an $800,000 home is $160,000. The MedX Finance way: 5% deposit is $40,000. Around $120,000 less to get into the same home.
LMI. Typical bank with a 5% deposit: roughly $31,000 in LMI. The MedX Finance way: $0. (Illustrative, as at July 2026.)
Repayments. Longer loan terms available to medical professionals can lower monthly repayments and free up cash flow, useful when you are also planning practice ownership.
Illustrative examples only, not financial advice. Eligibility, rates, LMI and terms depend on your circumstances and lender criteria.

Many dentists plan both within a few years. The order you do them in, and the structures you use, can change what you qualify for on each. If practice ownership is on your horizon, tell us early: we arrange dental practice finance too, and a strategy that looks at both together usually beats two separate applications. (Goodwill lending of up to 100% applies to practice purchases, not home loans.)

Plenty of our clients talk to us long before a loan exists: weighing a practice purchase, planning a fitout, or working out what their career unlocks. That early thinking costs nothing and is some of the most valuable work we do. And when you are ready to move, it runs like this:
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. Approval to keys. We coordinate through to settlement, and stay your broker for the loans that come after.