Home Loans for Dentists
Dentists are consistently included in the professional lending programs of many Australian lenders. Whether you are a recently graduated dentist in your first employment, an established dental associate, or a practice owner, Tiger Mortgage helps you understand which lenders’ current policies are most suited to your income and borrowing goals.
Registration — Dental Board of Australia
Dentists and dental specialists in Australia are required to hold current AHPRA registration under the Dental Board of Australia. Specialist registration is available for recognised dental specialities including orthodontics, oral and maxillofacial surgery, periodontology, endodontics, prosthodontics, and others.
Professional Lending — What May Be Available
AHPRA-registered dentists are typically recognised by a number of lenders in their professional lending programs, which may include LMI waiver options and competitive rate structures.
Dental specialists — holding specialist registration under the Dental Board of Australia — are generally included alongside general dentists in these programs.
All benefits are subject to lender policy, your individual eligibility, and the lender’s current credit assessment of your application. Policies vary across lenders and may change without notice.
Income Structures We Work With
Dentists work across a variety of income arrangements. Tiger Mortgage works with:
• PAYG employment in a dental practice (employee dentist)
• Associate arrangements — percentage of billings or sessional fee arrangements
• Dental practice ownership (company, trust, or sole trader)
• Partnership arrangements in group dental practices
• Buy-in arrangements when acquiring a stake in an existing practice
Why Tiger Mortgage
Frequently Asked Questions
I'm buying into a dental practice — can I get a home loan at the same time?
This is possible, but requires careful structuring. A practice buy-in creates business debt that may affect your serviceability assessment for a residential loan. Raymond Liao’s CPA background is particularly useful in these situations — he understands how lenders view practice acquisition debt alongside personal borrowing.
Does it matter which dental speciality I practise?
Generally no — specialist registration under the Dental Board of Australia is recognised by lenders in the same way as general registration, and in some cases may be viewed more favourably given specialist income levels. Your specific eligibility depends on the lender’s current policy.
My income flows through a company structure — is this assessable?
Yes — company or trust income from a dental practice is assessable by lenders with appropriate documentation. We identify which lenders on our panel will assess your structure most accurately.
Book a Free Consultation
Contact Tiger Mortgage to discuss your situation and explore the home loan options available to dentists. There is no cost for an initial consultation — we are paid by lenders only when a loan settles.
Also see: home loans for doctors | home loans for pharmacists | medical professionals — see our other professional lending pages [/clients/]
General information only — this page does not constitute financial advice, credit advice, or a recommendation of any particular product. All information is subject to change without notice.
Loan eligibility, interest rates, LMI waiver availability, and other lending conditions are determined by individual lenders based on their current credit policies and your personal circumstances. Lender policies may change at any time. Tiger Mortgage makes no representation that any particular product, rate, or benefit will be available to you.
Tiger Mortgage Pty Ltd holds Australian Credit Licence 389087. Raymond Liao holds Credit Representative Number 532909 authorised under ACL 389087.
Mortgage brokers receive remuneration from lenders in the form of upfront and trail commissions when a home loan is settled. A commission disclosure will be provided to you before any credit assistance is given.
We recommend you seek independent financial, taxation, and legal advice appropriate to your personal circumstances before making any financial decision.