Eligible dentists sit in the top tier of medical lending policy: LMI waivers at higher LVRs, and income read the way associates, contractors and practice owners are actually paid. The trick is matching your situation to the lender whose policy fits.
General information only · Written and reviewed by Phil Riches, Director of Medical & Professional Lending · Last reviewed June 2026
Dentists generally rank alongside doctors at the top of medical LMI-waiver policy — many lenders waive Lenders Mortgage Insurance up to 90% (sometimes higher) for eligible dentists. Just as important, the right lender recognises associate, contractor (ABN) and practice-owner income that a standard assessment can penalise. Registration is through the Dental Board of Australia (AHPRA). This is general information; your position depends on your circumstances and the lender's assessment.
Most dentists aren't on a simple payslip. How your income is recognised is where deals are won or lost.
Yes — eligible dentists generally sit in the top tier alongside doctors, with waivers commonly up to 90% LVR and sometimes higher, depending on the lender.
It can. Lenders treat contractor and associate income differently; some apply a shading, others recognise it more fully. Matching you to the right lender is the work.
Both are generally well recognised. Specialist registration can help with some lenders, but your income evidence and the valuation usually matter more than the title.
Yes — see practice purchase and commercial rooms. We look at the home, the practice and the premises as one combined picture.
Generally current general or specialist registration with the Dental Board of Australia (AHPRA). Non-practising or limited registration is usually not accepted.