Home Loans for Dentists - Brampton Finance
Specialist Mortgage Solutions for Dentists
As a dentist, you’ve invested years into building your career and establishing financial stability. Lenders recognise this — and some, like Westpac and other major banks, offer exclusive home loan benefits for dentists, including up to 90% lending with no Lenders Mortgage Insurance (LMI).
At Brampton Finance, we specialise in helping dentists secure tailored mortgage solutions that make the most of these policies. Whether you’re purchasing your first home, upgrading your family residence, or building your property portfolio, we know how to structure your loan for the best outcome.
Why Dentists Get Special Home Loan Benefits
Dentists are considered low-risk, high-income professionals, which means lenders are often willing to waive fees and reduce borrowing restrictions.
Key benefits available to dentists:
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Borrow up to 90% of the property value without paying LMI
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Access to discounted interest rates under “medico” lending policies
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Higher borrowing capacity than standard applicants
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Recognition of private practice income, company/trust income, and self-employed structures
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Fast-tracked approval with specialist banking teams
How Brampton Finance Helps Dentists
Our mortgage brokers understand the unique financial profile of dentists, including:
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Running a private practice or working across multiple clinics
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Balancing PAYG and self-employed income streams
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Maximising borrowing power while minimising upfront costs
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Structuring loans for property investors or owner-occupiers
We compare policies across major banks and specialist lenders to ensure you’re matched with the most competitive home loan options available.
Example Scenario
A dentist purchasing a $1.2M property:
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Standard borrower with 10% deposit → Pays around $25,000+ in LMI.
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Dentist with medico benefits → No LMI charged, saving thousands upfront.
Frequently Asked Questions
Can dentists get a home loan with no LMI?
Yes. Banks like Westpac, CBA, and ANZ offer dentists the ability to borrow up to 90% of the property value without LMI.
Do I need to be a practice owner to qualify?
No. Both employed and self-employed dentists are eligible under medico lending policies.
What if my income comes through a trust or company?
We work with lenders that accept complex income structures common among dental professionals.
Are dentists eligible for better rates?
Often yes — lenders compete for high-income professionals like dentists, so you may receive exclusive rate discounts.
Get Started Today
At Brampton Finance, we specialise in dentist mortgages and understand how to present your application so you receive the maximum lending benefits available.
Office: Level 7, 35 Spring Street, Bondi Junction NSW 2022
Phone: 02 9389 1077
Email: info@bramptonfinance.com.au
Contact us today for a confidential discussion about your options.