Home Loans for Dentists in Perth and Mandurah
Dentists often move between associate roles and practice ownership, and income can look different at each stage.
Andy compares lenders across Perth and Mandurah to find ones that understand dental income and practice ownership.
Andy made it straightforward and simple and represented us in a way that put our best foot forward.
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For the entire process Andy was a wealth of knowledge and provided excellent support, guidance and timely information.
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Top bloke, great service and locked in a great deal for us. Walked us through each step and had everything finalised really quickly.
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Andy made our refinancing and purchase of a new home seamless and within our guidlines.
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Let's Chat
Complete the form below and Andy will be in touch to discuss your finance needs.
Why Dental Income Needs the Right Lender
Dentists can be employed as an associate, contracted to a practice, or running their own practice, and each is assessed differently by lenders.
Some dentists also carry HECS or HELP debt, which lenders factor into serviceability differently.
Andy looks at your whole career picture to find a lender whose policy fits your situation.
Dental Career Situations Andy Helps With
Associate Dentists
Employed or contracted associates are generally assessed on PAYG or contract income. Andy finds a lender that fits your arrangement.
Practice Owners
Running your own practice means your income is generally assessed like other self-employed borrowers. See our self-employed and low doc home loans page.
Buying or Growing a Practice
If you are purchasing or expanding a practice, see our business finance page for commercial lending options.
Newly Qualified Dentists
Early career income can look modest against future earning potential. Andy explains how different lenders treat this.
How Andy Helps You Get Started
Andy compares over 30 lenders to find ones whose policies suit dentists at your career stage.
He explains every document in plain English, and looks at your whole position rather than just what pays the most commission.
Whether you are buying your first home, upgrading, refinancing or investing, he manages the process from application to settlement.
Reviewed By
Credit Representative & Mortgage Broker · Dip. FMBM
Andy reviewed this page to make sure the information for dentists is accurate and reflects how these loans are arranged in Western Australia.
Dentist Home Loan FAQs
Deposit requirements vary by lender and your individual situation. Andy compares lenders to find options that suit your circumstances.
Associate dentists are generally assessed on their PAYG or contract income, similar to other employed or contracted professionals.
Practice owners are generally assessed like other self-employed borrowers, using tax returns, BAS or accountant declarations depending on the lender.
Yes, lenders factor outstanding HECS or HELP debt into their serviceability calculations. Andy will explain how this affects your borrowing capacity.
Andy arranges business and commercial finance as well as home loans. See our business finance page for more on purchasing or expanding a practice.
No. Andy works with dentists across Mandurah, the Peel region and the Perth metro area.
