Eliminate LMI & Access Institutional Wealth Facilities for Dentists
Whether you are an associate dentist building your patient book, a practice owner running a multi-chair clinic, or an accredited specialist (Orthodontist, Periodontist, Endodontist, Prosthodontist, Oral Maxillofacial Surgeon), your income profile is highly resilient.
Yet standard retail banks often group dentists into generic small-business or self-employed categories—demanding 20% cash deposits, shading commission billings by 40%, and charging tens of thousands in dead LMI fees.
Australia's top wholesale lenders recognize Dental Board of Australia (AHPRA) registration under their elite Medico Private Banking policy, offering full 95% LVR borrowing with 0% Lenders Mortgage Insurance.
Here is our strategy: We ask you a few quick questions about your situation, then match you directly with an accredited specialist who will fight for your approval, cut through bank red tape, and deliver your loan with zero stress. Get matched directly with an accredited specialist in 60 seconds via the Mortgage Matcher.
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| Dental Specialty | AHPRA Board Recognition | Max LVR (0% LMI) | Max Loan Amount |
|---|---|---|---|
| General Dentist (BDS / DMD) | Dental Board of Australia | ✅ 95% LVR (0% LMI) | $4,500,000 |
| Orthodontist / Periodontist | Specialist Dental Register | ✅ 95% LVR (0% LMI) | $5,000,000+ |
| Oral & Maxillofacial Surgeon | Dual Medical/Dental Register | ✅ 95% LVR (0% LMI) | $5,000,000+ |
| Dental Practice Owner (Pty Ltd) | Commercial Practice Entity | ✅ 90% - 95% LVR + 100% Fitout | $10,000,000+ |
1. Qualifying Dental Specialties Under the Medico Policy
Under wholesale credit policy matrices, all practitioners registered with the Dental Board of Australia are eligible for 100% LMI waivers. This includes General Dentists, Orthodontists, Endodontists, Periodontists, Prosthodontists, Paediatric Dentists, and Oral Surgeons.
Associate dentists working on commission splits (typically 40% of billings) qualify using their commission payment summaries with as little as 3 to 6 months of historical track record.
2. Practice Ownership & Equipment Finance Integration
For dentists expanding or acquiring dental clinics, specialized banking desks integrate residential and commercial facilities:
- 100% Dental Chair & Autoclave Finance: Chattel mortgages funding 100% of clinical equipment with tax-deductible interest.
- 100% Clinic Fitout Lending: Financing plumbing, cabinetry, and surgical lighting without collateral security over your home.
- Goodwill Acquisition Loans: Borrowing up to 100% of practice goodwill value when buying out an existing dental clinic.
- Commercial Freehold LRBA: Buying your dental clinic freehold inside an SMSF under Business Real Property rules.
3. Structuring Dental Mortgages for Maximum Tax Efficiency
Dentists often operate through complex service trusts and company structures. Specialist medical brokers ensure all income flowing through these entities is correctly aggregated for maximum borrowing capacity.
Utilizing multiple 100% offset accounts allows you to segregate GST provisions, practice tax buffers, and personal savings, drastically reducing daily interest charges.
Accredited Mortgage Specialists
Accredited credit representatives independently verified against the ASIC Professional Register. Governed by statutory Best Interests Duty (BID) with direct wholesale lender desk access.
David Chi Tran
Emerge Finance
Frequently Asked Questions: Dentist & Dental Specialist Home Loans: 95% LVR No LMI Australia
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