Rated 5 from 60 Reviews
Home Loans for Dentists is dedicated to providing tailored financial solutions specifically for public health dentists in Australia. Understanding the unique financial landscape of dental professionals, we offer personalised services to help you achieve your home ownership goals. Whether you're buying your first property or expanding your property portfolio, our finance and mortgage brokers are here to guide you through the process. With access to a wide range of loan options from banks and lenders across Australia, we focus on securing competitive interest rates and favourable terms that align with your financial situation.
Public health dentists often face distinct challenges when applying for a loan. At Home Loans for Dentists, we recognise these challenges and aim to simplify the application process. Our brokers work closely with you to assess your borrowing capacity, ensuring that your credit history and financial situation are accurately represented. By doing so, we help you access loan options that may offer interest rate discounts and other benefits tailored to dental professionals.
One of the key considerations when buying a home is the loan to value ratio (LVR). This ratio can significantly impact the terms of your loan, including whether lenders mortgage insurance (LMI) is required. Our team will guide you through calculating loan repayments and understanding how different factors, such as variable and fixed interest rates, can affect your overall loan amount. We also assist in navigating the complexities of stamp duty and other fees associated with purchasing a property.
Applying for a loan can be a daunting task, but our streamlined application process is designed to make it as straightforward as possible. We assist you in gathering necessary documents, such as bank statements and proof of income, to present a strong loan application. Our brokers liaise with lenders on your behalf, ensuring that you receive the best possible terms based on your unique circumstances. This personalised approach helps you feel confident in your financial decisions.
For public health dentists, understanding the property market is crucial when considering a home loan. Our brokers provide insights into market trends and offer advice on how to maximise your borrowing capacity. Whether you're interested in a fixed or variable interest rate, we help you understand the implications of each option and choose the best fit for your needs. Our goal is to empower you with knowledge so you can make informed decisions about your home loan.
Home Loans for Dentists also recognises that special policies may apply to public health dentists. We work diligently to identify these policies and incorporate them into your loan application strategy. This ensures that you benefit from any available advantages when securing a home loan. By focusing on your unique position as a dental professional, we tailor our services to meet your specific needs.
As you consider buying a home or expanding your property portfolio, Home Loans for Dentists is here to support you every step of the way. Our finance and mortgage brokers are committed to providing exceptional service, helping you access loan options that align with your financial goals. With our expertise and dedication, we strive to make the process of applying for a loan as seamless as possible.
We invite public health dentists to explore the benefits of partnering with Home Loans for Dentists. By choosing our services, you gain access to a wealth of knowledge and resources designed specifically for dental professionals. Whether you're purchasing your first property or planning future investments, our team is ready to assist you in achieving your home ownership dreams.
Initial Appointment
Begin by having a chat with one of our qualified Finance & Mortgage Brokers. We will take the time to understand your situation, including special policies specific to Dentists & other Dental Professionals. We will also discuss loan options from banks and lenders across Australia, guiding you through the next steps of the application process.
Fact-Finding
We will collaborate with you to gain a comprehensive understanding of your financial situation, including your financials, assets, and credit history. This helps determine your borrowing capacity. We will review your bank statements and other relevant documents to provide accurate advice.
Pre-Approval
Once you receive pre-approval, you can confidently begin bidding or making offers on properties you wish to purchase. We will explain the loan amount, interest rates (both variable and fixed), and potential interest rate discounts. We also discuss the importance of the loan to value ratio (LVR) and any lenders mortgage insurance (LMI) that may be required.
Loan Settlement
Upon settling on the property, your Loan will be drawn down, and you will be all set to move forward. We will help you navigate the settlement process. We will also assist in calculating loan repayments and managing your loan interest rate to suit your needs.
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Jared Ridler
Big thanks to Carl for your help through the process! Made it all a breeze with clear quick communication and got us into our new home!
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Ingrid Rollero
Carl and the team are very quick and efficient. Have been them for a few years and happy to recommend to anyone!
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Elizabeth Bottomley
Carl Elsass was a wonderful help to my husband and I as we bought our first property. Carl was very responsive, knowledgeable and guided us through the process with great care and attention to detail. We would highly recommend using Azura ...
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Kirsten Turco
Nick gave us a friendly service & was extremely helpful. Highly recommended!
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claudia alvarez
I was extremely pleased by the service provided from Carl Elsass. He was very helpful and very clear by explaining every aspect of the mortgage process. From start to finish, He attended to all the documents required as well as arranging a suitable loan within a very short period with my minimum involvement. Thank you! Claudia Marcela
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Harry
Working with Nick to purchase our first home was a seamless experience. His knowledge of the market was exceptional and was quick to respond to all our questions. I wouldn’t hesitate to recommend his services. Thanks Nick!
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Javier Gómez
Carl was really helpful and patient, took its time to understand my situations and provided great advice and options in order for me to make the right decision.
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Glen Ashley
Carl has been amazing to work with. He was on the ball straight from the start with knowing all the information I would need to provide. He was quick to respond while others would not return communication for weeks. He managed to secure me a great product in a short amount of time, even while we are on opposite sides of the country. I highly recommend getting in touch with Carl, you won't look back.
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katya campi
Nick and team were great, made the process seamless.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
This depends on your income, expenses, and deposit, but dentists can often borrow 5-6 times their annual income due to strong earning potential. We'll calculate your exact borrowing capacity based on your specific circumstances.
Too easy! We can arrange dual-purpose financing for dental professionals. This might involve purchasing a property where you live upstairs and practice downstairs, or separate but coordinated purchases. We understand the zoning, commercial lending, and tax implications involved and work with lenders experienced in medical/dental property financing.
For employed dentists: recent payslips, employment contract, bank statements (3-6 months), and ID. If you have HECS debt, include your latest notice of assessment.
For practice owners: two years of tax returns, business activity statements, profit and loss statements, and business bank statements.
For locum dentists: contracts with regular practices, bank statements showing consistent deposits, and booking confirmations.
We'll guide you through exactly what's needed for your specific situation and help present your application in the strongest way possible.
Many of our dental clients secure loans with 10-15% deposits. Some lenders offer LMI waivers for medical and dental professionals, recognising your profession's low default risk. We've arranged loans with deposits as low as 5% for established dentists with strong income history.
No, our service is completely free for most home loans. We're paid a commission by the lender once your loan settles, so there's no cost to you for our expertise and guidance. On the rare occasion there might be a fee for specialised services, we'll always discuss this with you beforehand - complete transparency, no hidden costs.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
Banks can only offer their own products, but we access hundreds of loans from 40 lenders to find your best deal. More importantly, we understand dental professionals - from HECS debt and associate income to practice purchases. Bank staff rarely have this specialised knowledge.
We do all the legwork, comparing products and handling paperwork while you focus on your patients. Instead of visiting multiple banks, you get one expert broker who knows the dental industry inside out.
Not with the right lender. Many successful dentists work as associates at 2-3 practices or combine associate work with their own practice. We specialise in presenting multi-income dental applications clearly, using employment contracts and income history to demonstrate stability across your various roles.
We work with lenders who specifically understand dental education debt. Unlike general lenders who may see your $150,000 HECS debt as a liability, our partner lenders recognise this as professional investment debt with government-backed repayment terms. We know which lenders exclude HECS from debt-service calculations or apply more favourable assessment rates.
Trustee for the O'Sullivan Family Trust ABN: 29 235 649 437, Credit Representative #482294 and is authorised under Australian Credit Licence 389328..
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.
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