Home loan specialists for dentists

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. For dentists that means knowing which lenders file dentistry with doctors rather than with allied health, and how to evidence income that arrives as a percentage of billings rather than a salary. Most of our work is commercial property for business owners, so the practice and the premises are conversations we are already having regularly. Every figure is subject to serviceability, lender appetite and approval.

For the lenders that run a medical program, yes. Dentists are listed alongside general practitioners and medical specialists, in the group with the highest maximum and no minimum income to reach. Allied health sits in a separate group below, at a lower maximum and with an income figure to clear. Check it, because several comparison pages file dentistry in the lower group, and a dentist who believes that saves a larger deposit than they needed. Lists differ between lenders and are subject to approval.

Across our lending we arrange finance from $50K up to $30M, and home loans sit within that range, including prestige purchases that fall outside standard bank policy. Your borrowing capacity comes down to income, existing commitments and the property itself.

Less than the twenty per cent figure most people are given, where a medical program applies. Those programs let an eligible dentist buy with a smaller deposit and without the mortgage insurance premium normally charged on top. The exact figure depends on the lender, the property and your circumstances, so the useful first step is confirming which programs your registration satisfies before you set a savings target.

Yes. It is read as contractor income rather than salary, which changes the documents rather than the answer. Lenders differ on how much trading history they want to see, and business activity statements and an accountant’s letter carry weight where tax returns are still thin. The important thing is that the file is built as a contractor file from the start, because one built as a salaried application tends to be the one that stalls.

From the practice financial statements and your personal returns read together, rather than from payslips. The two have to reconcile, with add-backs identified and evidenced properly, because items like depreciation and one-off costs can legitimately lift the income a lender will recognise. This is routine work for us and it is usually where the difference between two assessments comes from.

Yes, and most principals do. What changes is capacity rather than eligibility: an equipment facility, a fit-out loan or a goodwill loan all sit in your position and reduce what a lender will advance for a home. Lenders differ considerably in how they treat business debt held inside an entity, and a guarantee counts even where the debt is not in your own name. We look at the whole picture and tell you the real number before you make an offer.

Decide the sequence deliberately rather than let it happen to you, and the answer depends on your position rather than a general rule. Buying a home first is often cleaner, because borrowing capacity is at its highest before practice debt is in place. What we can do is model both orders with real numbers so you can see what each one costs the other, and the commercial and tax side of the practice decision sits with your accountant.

It is reachable, and it comes from bringing additional security to the file rather than from a larger loan against the one property. That means either a family member offering their own property as part security, or equity you add from a property you already own. Your income still has to service the whole loan, so the additional security covers the deposit gap rather than replacing serviceability.

Yes, and many practice principals do. What changes is how the income is traced: a distribution from a discretionary trust generally needs a consistent history before a lender treats it as income, and the entity accounts need to agree with what is being claimed. How you hold assets is a decision for you and your accountant. Our part is arranging finance that works around the structure you already have.

Yes, and commercial property for business owners is our main speciality. Buying the premises is a different assessment to buying the practice, on different security and often with a different lender, and our commercial mortgage for dental premises page sets out how those purchases are assessed. Because each facility changes what is available for the others, arranging them together means the sequence can be planned rather than discovered.

Sometimes, but the policies are narrower than for the home you live in and they vary considerably between lenders. Some extend the medical program to investment purchases, others confine it to owner-occupied. Worth checking before you commit to a purchase rather than assuming either way, and checking it is quick.

Where the premium is waived, the caps are published. One major sets a maximum loan of $5 million and total lending of $7.5 million. Another sets $4.75 million for medical practitioners, specialists and dentists, and $4.5 million for the allied health group, with total home lending of $8 million in either case. Those are ceilings on the waiver, not on what you can borrow generally. Every figure is subject to serviceability, lender appetite and approval.

No. The waiver is not automatic. It has to be requested as part of the application, and it is tied to your registration status: general and specialist registration qualify, while provisional, limited and non-practising registration do not. A temporary non-practising period, parental leave for instance, may still be accepted. We raise it at application rather than assuming it will be applied.

In full, with the lenders that run these programs. Overtime and allowances are assessed at 100% for eligible healthcare professionals rather than shaded, and casual income is annualised over 52 weeks. For a hospital-employed doctor carrying significant on-call and overtime, that treatment changes borrowing capacity more than the waiver itself does. Every figure is subject to serviceability, lender appetite and approval.

Not necessarily. One major assesses self-employed medical applicants on the last two years of individual ATO notices of assessment and still allows the premium to be waived up to 95%. The same fast-tracked assessment cannot be combined with the 90% waiver, so which tier you sit in changes the paperwork. Every figure is subject to serviceability, lender appetite and approval.

Generally no, and you should know that before you apply. One major names dental therapists, dental hygienists and dental prosthetists among the professions it treats as ineligible, and the broader allied health list run by another major does not include them either. Registered dental practitioners sit in the top tier at up to 95% with no minimum income. The distinction is the registration you hold, not the practice you work in. Every figure is subject to serviceability, lender appetite and approval.

For an associate: recent invoices or billings statements, your service agreement, business activity statements, tax returns, identification and statements for existing debts. For a principal: add the practice financial statements, and the entity accounts and trust deed where a structure is involved. We give you one list up front rather than asking in instalments.

Pre-approval commonly comes through within a few days once the documents are together. Full approval after you have found a property depends on the lender and the valuation, and usually follows soon after. Contractor and practice-owner files take a little longer to assemble than salaried ones, which is an argument for starting before you are house hunting rather than during.

In most cases our service does not cost you anything. We are paid by the lender once your loan settles, so you get the comparison across more than 40 lenders and the management of the process at no charge. If anything unusual applies to your situation, we will be upfront about it before any work begins.

Often, yes. Dentists arriving to work in the Australian system are a group several lenders are comfortable with, though visa status, registration and how long you have been here all affect which lenders will look at it. It is worth a conversation early, because the answer varies more between lenders here than almost anywhere else in home lending.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever in Australia you are buying, we can arrange your home loan.

Commercial property for business owners is our main speciality, so alongside your home loan we arrange finance to buy surgery premises and to buy into a practice. We also arrange equipment and fit-out finance for chairs, imaging and surgery build-outs, and working capital where a practice needs it.

No. Arranging finance and advising on financial products are two different disciplines, and we do the first. What we bring is the credit analysis lenders require, the structuring of the facility, and the strategy for putting your application in front of lenders whose appetite matches it.

Because we act as a credit representative under an Australian Credit Licence, we do not give financial product, superannuation, taxation or legal advice, and nothing we provide should be taken as such. Where your circumstances need that input, we are happy to work with your accountant, financial adviser and solicitor to understand the full picture before anything is submitted.

The information on this page is general in nature and does not take account of your objectives, financial situation or needs.