Borrow Up to 90% LVR On Your Dental Practice & Residential Property With $0 LMI
Between clinical handpieces, autoclave sterilization units, and specialized dental chairs, establishing a dental career or private practice requires massive upfront investment. While your peers in standard office jobs have simple PAYG payslips, dental associates routinely balance complex commission splits, lab fees, and facility service agreements.
When you walk into a standard retail bank branch, a loan officer often miscalculates your associate contractor income or demands a full 20% cash deposit ($400,000 on a $2.0M home) plus $54,000 in non-deductible LMI fees.
Under institutional Dental Lending Policies, registered dentists and dental specialists qualify for 90% to 95% LVR borrowing with 100% LMI waivers, allowing you to buy your family home or clinical surgery while keeping your cash working in your business.
Here is the strategy: We match you with an accredited healthcare credit specialist who understands dental commission structures and secures your $0 LMI waiver across 35+ wholesale bank panels.
How It Works (Takes 2 Minutes)
1. The Dental Medico Advantage: 90% LVR with $0 LMI
Australian dental practitioners enjoy statutory recognition under bank Medico guidelines. Dentists registered with the Dental Board of Australia can purchase residential property up to 90% LVR without paying LMI, saving up to $50,000+ in upfront costs.
Dentist Borrowing Capacity & LMI Waiver Simulator
Calculate your allowable loan size and LMI savings under Australian dental policies.
| Dental Specialty | Max LVR ($0 LMI) | Practice Goodwill Financing | Lender Panel |
|---|---|---|---|
| General Dentists | 90% LVR | Up to 100% Fitout | 🛡️ $0 LMI Approved |
| Dental Specialists / Orthodontists | Up to 90% - 95% LVR | Up to $3M Practice | 🛡️ Premium Medico Desk |
| Dental Hygienists & Prosthetists | 85% - 90% LVR (Select Lenders) | Equipment Finance | ⚡ Specialist Rules |
2. Associate Dentist Contractor Commission Structuring
Associate dentists frequently work under service facility agreements, retaining 40% to 50% of gross patient billings. Specialist dental lenders evaluate 6 months of continuous billing summaries rather than demanding 2 full years of personal tax returns.
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.
Borrower Discussions & Community Q&A
Real questions, verified lending scenarios, and credit advice insights from Australian doctors, hospital registrars, surgeons, and accredited healthcare credit specialists.
Ask a Question or Share Your Loan Scenario
Questions are reviewed and answered by verified BBA partner specialists and our credit research team.
"I am an associate dentist billing $25k/month on commission. Can I buy a home with 10% deposit without paying LMI?"