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Medical Professionals — Group 1

Exclusive Home Loan Benefits for Dentists

Q: Are orthodontists eligible for the same benefits as general dentists?

Yes! Orthodontists are classified under dental practitioners and receive the same top-tier benefits as general dentists — including up to 95% LVR without LMI at select lenders. All dental specialties registered with AHPRA qualify.

Q: I own my dental practice — does that affect eligibility?

Owning your practice doesn't disqualify you, but lenders will assess your income differently. If you're self-employed as a practice owner, you may need to provide business financials. However, the LMI waiver benefit still applies as long as you're AHPRA-registered and your primary income is from dentistry.

Q: Can I use practice premises as security?

Some lenders accept converted practice premises (residential-zoned properties used as dental practices) as residential security. This is a unique benefit for dental professionals. A broker can identify which lenders offer this flexibility.

Q: What's the maximum I can borrow as a dentist?

Maximum lending limits range from $4.5M to $8M in total aggregated lending, depending on the lender. Individual property values up to $12M may be accepted at select lenders in premium postcodes. Your specific borrowing power depends on your income, debts, and other factors.

As a dentist, exclusive home loan benefits including LMI waivers and higher LVR limits.

Up to 95%

LVR Without LMI

$8K–$36K+

Potential LMI Savings

Multiple

Lender Options

Check My Eligibility — Free See Lender Comparison ↓

How Different Lenders Treat Dentists

Not all lenders offer the same benefits. Here's how the major categories compare:

Lender Category	Max LVR (OO)	Investment LVR	Key Conditions
Some Lenders	95%	95%	Group 1 classification. DTI <6 for 95%. Up to $8M TML.
Select Lenders	94.99%	94.99%	Medico Plus+ tier. Property up to $12M premium. P&I required.
Certain Lenders	95%	90%	Max security $4.5M. Max aggregated $7M.
Other Lenders	90%	90%	Group A. Includes orthodontists. No min income.

Lender names shown generically. Contact us to find out which lenders match your situation.

Check Your Dentist Benefits

Free, no-obligation assessment. Find out exactly what you qualify for.

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Why Choose Finance Hub?

We specialise in professional home loans and know exactly which lenders offer the best terms for your profession

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Profession Specialists

We understand the specific lending policies for dentists and match you with the right lender.

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Access to all major banks and specialist lenders, ensuring you get the best rate and terms.

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Our service is completely free. We get paid by the lender — not by you.

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Ongoing Review

We review your loan every 6-12 months to ensure you're always on the best deal.

Frequently Asked Questions

Common questions about dentist home loan benefits

Are orthodontists eligible for the same benefits as general dentists? +

Yes! Orthodontists are classified under dental practitioners and receive the same top-tier benefits as general dentists — including up to 95% LVR without LMI at select lenders. All dental specialties registered with AHPRA qualify.

I own my dental practice — does that affect eligibility? +