The Challenge
Dentists operate in a unique lending space: they're often practice owners AND home buyers, which creates dual-financing complexity. Here's how to structure your lending across practice loans and home mortgages.
Real Examples: How Specialist Lenders See It
Dentist Practice Owner
Income: Practice revenue $600k, net $180k, personal home loan
Home Value: $750k home
Result: Practice profitability affects home loan approval. Specialist: holistic assessment of practice + personal finances, approved $800k
Associate to Partner Track
Income: Current: $100k salary, partner offer: $250k+ after buy-in
Home Value: $600k home
Result: Use offer letter + partnership agreement. Specialist: approved $720k pre-partnership based on projected income
Multiple Practice Owner
Income: Three dental surgeries, $300k+ combined net income
Home Value: $1.2M home
Result: Income aggregation across practices. Specialist: consolidated financials, approved $950k
How to Get Approved
- Gather documentation specific to your income structure (not just tax returns)
- Find a specialist lender who understands your profession
- Present your income optimally—showing gross, net, projections, and add-backs
- Work with a broker who can match you with the right lender first time
Get Your Free Assessment
Tell us your income structure and we'll show you exactly how much you can borrow—and which lenders will approve you.
Call 0432 634 648 — Free AssessmentNo obligation. No broker fees.