Dentists have one of the most consistently strong income profiles of any profession — yet many lenders don't know how to correctly assess dental practice income, associate billing, or ownership distributions. Lend & Loan does. We help dentists borrow more, pay less upfront, and buy sooner.
📅 Book Free ConsultationLender classification: Group 1 — Dental Practitioner (division must be 'Dentist')
Registration must be verified on the AHPRA website (or relevant veterinary board for vets). Eligible registration types: Generalist Registration or Specialist Registration.
Provisional, Limited, and Non-practising registrations are generally not eligible — though temporary non-practising (e.g. parental leave) may be assessed by Credit Assessment.
Select Australian lenders offer a Medical Professional Package — also called the Medico Package — to registered healthcare practitioners. The core benefit is a waiver of Lenders Mortgage Insurance (LMI) on loans up to 95% LVR, saving eligible dentists $15,000–$40,000 upfront.
LMI is normally required when you borrow more than 80% of a property's value. For most Australians, this means an additional cost of tens of thousands of dollars. For eligible dentists, it's waived entirely — because lenders recognise the stability and earning trajectory of registered healthcare professionals.
Not all brokers know how to correctly present dentist income. We do. We regularly work with all income structures including:
We verify your registration status and confirm your eligibility for the Medico Package across our lender panel.
We review your full income picture — PAYG, billings, practice distributions, locum work — and calculate your true borrowing capacity.
We compare 50+ lenders to find the best rate and policy for your specific dentist income structure.
We handle all paperwork, lender communication, approval, and settlement — so you can focus on your patients.
Yes — dental specialists registered under AHPRA with division 'Dentist' and Specialist registration type qualify. Oral health therapists, hygienists, and dental prosthetists typically do not qualify.
Practice owner income can be complex. We'll review your business financials, addback eligible expenses, and present your true earning capacity to lenders who understand dental business structures.
Yes, in most cases. Lenders look at AHPRA registration status, not years in practice. Generalist registration as a Dentist is the key eligibility requirement.
We handle multi-practice income structures regularly. We'll consolidate your income correctly and match you to the lender most comfortable with your setup.
Book a free consultation with John Pierre Saliba. We'll confirm your LMI waiver eligibility, assess your full income, and compare 50+ lenders to find your best rate — at no cost to you, ever.
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