Dentists are in high demand across the North Shore - and not just in clinics. Lenders now offer tailored home loans for dentists in North Shore Sydney with benefits designed specifically for your profession. Whether you're buying your first home, refinancing, or investing, your status as a healthcare professional gives you unique leverage.

In 2025, house prices remain strong across the Northern Beaches and Upper North Shore, with suburbs like Mosman and Manly averaging $3.2 million and $2.75 million, respectively, according to CoreLogic and Domain’s June 2025 Report.

With such premium property prices, you’ll want to make sure your home loan is structured to maximise your income and reduce unnecessary costs - and that’s where tailored dental loan packages come in.

Why Do Dentists Get Special Home Loan Consideration?

Lenders see dentists as high-income, low-risk professionals. You’re in a trusted field with steady earnings, career growth potential, and strong credit reliability.

As a result, banks offer:

• Lenders Mortgage Insurance (LMI) waivers up to 90% LVR
• Higher borrowing capacity based on future income potential
• Faster approval times with dedicated medico lending teams
• Discounted interest rates across fixed and variable loans
• Flexible policies for self-employed and clinic owners

These benefits aren’t usually advertised - but as your broker, we’ll help you access them.

Who Qualifies for Dentist-Specific Home Loans?

These home loan benefits aren’t limited to dental surgeons.

Eligible professionals usually include:

• General Dentists
• Orthodontists
• Endodontists
• Periodontists
• Prosthodontists
• Oral & Maxillofacial Surgeons
• Dental Specialists working in private or public sectors

To qualify, you’ll typically need to be registered with AHPRA and working in a full-time or consistent income role. Even recent graduates and those still in residency may be eligible through some lenders.

What Types of Home Loans Suit Dentists Best?

As a dentist, your financial situation might include a mix of base salary, business income, or dividends, and that means flexibility is key.

Here are the most popular home loan types for dental professionals:

1. Professional Packages

Bundled deals with rate discounts, offset accounts, and fee waivers tailored to high-income earners.

2. Fixed Rate Loans

Provides repayment certainty, which is useful for budgeting, especially during interest rate fluctuations.

3. Variable Rate Loans

Offers flexibility, with features like extra repayments and redraw access.

4. Split Loans

Combine fixed and variable portions to balance risk and reward.

5. Offset Accounts

Link your savings to your loan and reduce interest charges, while keeping your cash accessible.

We’ll guide you through each structure and match your needs with the most suitable lenders in the North Shore market.

How Much Can You Borrow as a Dentist?

This depends on your income, credit profile, existing debt, and whether you’re self-employed or PAYG.

In most cases:

• Dentists can borrow up to 90–95% LVR
• LMI can often be waived at 90% LVR
• Your borrowing capacity may be 6–8 times your gross annual income, especially with strong financials

Self-employed dentists or clinic owners may need to provide two years of financials or recent BAS statements, depending on the lender.

Can You Get a Home Loan with a 10% Deposit?

Yes, and here’s the big benefit for you as a dentist: many lenders will waive LMI even if your deposit is only 10%. On a $2 million property, this could save you $30,000–$50,000 upfront.

This is particularly helpful if you’re early in your career or prefer to keep funds in your practice or investments rather than tied up in your home loan. We'll help structure the loan so it suits both your cash flow and your long-term goals.

Are You a Clinic Owner or Self-Employed Dentist?

Many North Shore dentists run their own practices - and that brings extra layers to your income and tax planning. The good news? You’re not locked out of medical lending benefits.

You may be asked to provide:

• Two years of tax returns
• Business Activity Statements (BAS)
• Profit and loss statements
• Accountant’s declaration (if needed)
• AHPRA registration

Some lenders also accept one year of financials, especially if your business is growing rapidly or you’ve recently incorporated. We’ll help you present your financials in a way that supports your application and reflects your true income.

What Are the Best Lenders for Dentists in 2025?

Several lenders actively offer specialised home loans for dentists in North Shore Sydney.

These lenders include:

• St. George Medico Package
• Macquarie Bank Medical Home Loans
• ANZ Medico Advantage
• Bank of Queensland Specialist
• Commonwealth Bank’s Medico Stream

Each lender has different policies - some are more flexible with self-employment, others offer sharper rates for PAYG dentists. As brokers, we’ll review your scenario and find the lender offering the most favourable structure, rate, and approval timeframe.

FAQs: Home Loans for Dentists North Shore Sydney

Can I borrow more as a dentist compared to other professionals?
Yes, lenders see dentists as low-risk, so you may be approved for higher borrowing amounts and lower interest rates.

Do dentists qualify for waived LMI?
Yes. Most lenders waive LMI up to 90% LVR for eligible dental professionals.

What documents do I need to apply as a self-employed dentist?
You'll usually need two years of tax returns, BAS statements, and your AHPRA registration.

Are these home loans available to new graduate dentists?
Some lenders accept new dentists on full-time contracts, especially with evidence of future earnings.

What’s the difference between medico and standard home loans?
Medico loans offer lower rates, waived LMI, and more flexible credit assessments - designed for healthcare professionals.

Can I use a dentist home loan to buy an investment property?
Yes. Most packages apply to both owner-occupied and investment properties.

Should I use a broker or go direct to a lender?
A broker gives you access to more options, negotiates better terms, and helps you structure your application for success.

Ready to Secure a Smart Home Loan Built for Your Career?

As a dentist, you’ve worked hard to build a stable and successful career - and your home loan should reflect that. Whether you're buying a family home in Pymble, investing in Freshwater, or refinancing your existing mortgage, your professional status gives you more leverage than you might realise.

At Sabea Financial, we specialise in home loans for dentists in North Shore Sydney. We work with over 60 lenders and understand the ins and outs of dental income, business structures, and medical lending policies. We’ll guide you from application through to settlement - and negotiate a loan that suits your life, not just your numbers.

Call us today on 1300 001 755, email info@sabea.com.au, or visit our homepage to schedule your free consultation.