Are dentists eligible for medical professional packages?

Yes — most medical packages extend to dentists. Reduced rates, waived LMI at 90–95% LVR.

I'm an associate dentist on percentage. How is income assessed?

ABN-based; 2 years BAS + tax returns. Percentage associates with consistency access strong borrowing.

I own my dental practice. Will lenders count practice income?

Yes — practice income as professional small business. Works well with medical packages.

How much can I borrow as a dentist on $250K?

On $250K + 20% deposit: typically $1.6M–$1.9M through dental packages.

I'm on a 491 visa. Can I access dental packages?

Yes — many lenders extend dental packages to 491 visa-holder dentists.

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Dentist

Dentist Home Loan Australia: Maximum Borrowing With Dental Professional Packages

Mortgagefy Broker Team · Published 2026-04-29 · Last reviewed 2026-04-29

Dentists access medical/dental professional packages — reduced rates, waived LMI at high LVR. Mortgagefy maximises your dentist home loan benefits.

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Who this guide is for

Australian dentists — practice owners, associate dentists, salaried dental professionals — wanting medical-tier home loan packages with maximum borrowing.

Practice-owning dentists with established patient bases
Associate dentists on percentage or daily-rate income
Specialist dentists (orthodontists, oral surgeons, periodontists)
Indian, Pakistani, Bangladeshi, Sri Lankan dentists needing cultural support

The real challenge

Dentists are eligible for medical/dental professional packages but many don't realise it — taking standard home loans at standard rates instead of accessing waived LMI and reduced pricing.

Some major banks and specialist lenders offer dental professional packages.

How Mortgagefy helps

Mortgagefy works with all active dental professional package lenders. We identify the best package for your specific position (practice owner vs associate, employed vs ABN) and maximise benefits.

Free advice.

How it works — 4 simple steps

Free dentist chat

20-minute call about your dental role, income, deposit and target home.

Compare dental packages

We identify which dental professional packages suit your situation.

Application package

We compile your AHPRA registration, employment/practice documentation and supporting documents.

Settle your home

Approval through to settlement with ongoing support.

Frequently asked questions

We use offer letters and vesting schedules to value RSUs conservatively. We present current vesting value + projected future vesting as a 3-5 year income average. This gives lenders confidence in your income stability while accounting for market volatility.

Both. We work with W2 employees, 1099 contractors, and consultants. For contractors, we use 2 years of tax returns plus business financials. We have lenders who specialise in contractor income—they understand the variability.

Unvested options have zero value for refinancing. We count only vested equity. If you have a 4-year vest, we use 25% of the grant value (what's vested) plus a conservative projection of future vesting.

If you've been in your new role 6+ months, most lenders will refinance. We'll use your offer letter plus 6 months of pay stubs. If less than 6 months, it's harder but possible with specialist lenders.

Yes, if you have 2+ years of bonus history. We average the past 2 years and present it conservatively. Some bonuses get counted at 50% to be conservative with variable compensation.

ESPP is counted as deferred compensation. If your company matches or you have a discount, we value it as part of total compensation package.

Get a dentist home loan assessment

Free 20-minute call to identify the best dental professional package for your situation.

Start Your Free Assessment Call 0432 634 648

Get your personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Model your scenarios: Use our free home loan calculators to estimate borrowing capacity, repayments, and savings.

Dentist Home Loans — What You Need to Know

Dentists in Australia have access to a strong range of home loan options, but the right pathway depends on whether you're employed (PAYG), contracting (ABN), or running your own business. Each scenario maps to different lender appetites, document requirements, and rate brackets.

Income Verification for Dentists

PAYG dentists typically need their two most recent payslips and last year's PAYG summary. Self-employed dentists providing services through an ABN need 1–2 years of personal and business tax returns plus BAS statements. For contractors with strong day rates, alt-doc lenders accept business bank statements as evidence of trading income.

Borrowing Capacity

Lenders calculate borrowing capacity using your verified income, less commitments (existing debts, dependants, living costs). For high-income dentists, professional loan packages can lift LVR to 90% without LMI in select cases. For mid-income dentists, the First Home Guarantee allows 5% deposit with no LMI for eligible first-time buyers.

Common Pitfalls

Dentists often miss out by applying directly to a major bank with one income source. A specialist broker spreads applications across 40+ lenders — covering banks, credit unions, second-tier and non-conforming options — increasing approval odds and rate competitiveness.

How Mortgagefy Helps Dentists

Free 20-minute consultation, document checklist tailored to your employment type, lender selection across 40+ panels, ongoing application support through to settlement. No broker fees — lenders pay our commission upon completion.

What Our Clients Say

"Mortgagefy made a complex situation simple. Five lender comparisons in 24 hours, settled in 5 weeks. Genuinely felt they were on my side throughout — explaining options without pressure."

Aisha M.

Bankstown, First Home Buyer

"After two bank declines, Mortgagefy found a specialist lender who actually understood self-employed income. Saved us $640 a month vs our previous rate. Highly recommend for anyone bank-rejected."

Rohan K.

Parramatta, Self-Employed Refinance

"Used Mortgagefy for our investment property purchase. They structured the loan to maximise tax deductions and arranged settlement to coincide with our existing mortgage refinance. Zero stress, professional throughout."

Linda & Tom W.

Marsden Park, Investor