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Medical Professionals Loan

Finance Your Dental Practice – Up to 100% Lending

Tailored Loan Solutions for Dental Practitioners in Australia

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Our 5-Star Google & Facebook Ratings reflect clients’ satisfaction, positioning us among Melbourne’s most trusted mortgage brokers!

6 Reasons Why VOXFIN is Dentists’ Choice for Finance

Specialist Dentist Practice Purchase Finance

100% lending for acquisition

Dental Equipment & Fitout

Zero deposit options available

Dentist Commercial Property Loans

Own your dental premises

LMI Waived Up to 100%

Save $50,000+ on home loans

Higher Borrowing Capacity

Dental income properly assessed

Faster Approvals

Pre-approvals within 48 hours

Our dental practitioners’ loans provide specialist rates and LMI waivers for Australian dentists looking forward to dental practice purchase, equipment, fitouts, and commercial property.

Dental Professionals We Assist at VOXFIN

General dentists and dental surgeons

Dental specialists (orthodontists, periodontists, oral surgeons)
Practice owners and partners
Associate dentists becoming principals
Dental graduates establishing first practices

VOXFIN has been a trusted name among dentists across Australia for practice acquisition loans, dental equipment finance, and commercial property lending. We understand the challenges facing dental practitioners. We know which solutions would help you get finance to bring your career dreams into reality.

What You Can Finance?

Dental Practice Acquisition Loans

We provide financing options tailored to dentists with flexible loan structures, repayment management, and support for future business goals.

Key benefits

  • Finance goodwill and equipment separately
  • Borrow up to 100% of the practice purchase price
  • Interest rate options (fixed and variable)
  • Redraw facility with access to additional funds
  • Partnership buy-ins (secure your share only)

Dental Equipment Finance

From digital imaging systems to dental chairs, we finance all equipment needed for your practice.

Key benefits

  • $0 deposit required – no upfront payment
  • Loan terms up to 7 years with flexible repayments
  • Refinancing available for recently purchased equipment
  • Equipment includes: dental chairs, X-ray systems, sterilisation equipment, CAD/CAM systems, and practice management software

Dental Clinic Commercial Property

We offer flexible options tailored to dental practices with competitive rates.

Key benefits

  • Line of credit for added flexibility
  • Borrow up to 100% without additional security
  • Construction loans for custom dental fitouts
  • Interest capitalises during the construction period

Home Loans for Dentists

Dentists qualify for preferential home loan terms, including LMI waivers and higher borrowing capacity.

Key benefits

  • Offset accounts to reduce interest payments
  • Choice between variable or fixed interest rates
  • Competitive rates with no annual fees
  • Flexible repayments (principal + interest or interest-only)

Are you ready to own your dental practice?

Discuss your needs with VOXFIN’s specialist dental finance brokers!

Book an Appointment

Dental Practice Loan Structure

Dental practice finance is different from standard business lending. Lenders value dental practices using EBITDA and gross revenue multiples. To ensure accurate assessment, we always recommend input from a practice accountant familiar with dentistry.

Security structure

The practice, goodwill, equipment, and any commercial property serve as security. We can use your share of a partnership as security without affecting existing partners.

No personal property required

In most cases, you don’t need to use your home as security. The practice assets and your earning capacity as a dentist are sufficient for approval.

Insurance requirements

Lenders require adequate life and TPD insurance to cover loan balances. This protects both you and the lender if you cannot practice due to injury or illness.

Dental Fitout Finance

Complete surgery fitouts and renovations financed with terms that suit practice cash flow.

Coverage

  • Complete surgery construction and renovation
  • Plumbing and electrical for dental equipment
  • Cabinetry and storage systems
  • Waiting room and reception areas
  • Compliance and safety equipment

Payment structure

  • Repayments commence after fitout completion
  • Interest capitalises during construction (no payments until complete)
  • Interest charged only on funds drawn, not the full approval amount

Whether it is your first practice, expansion plan, or existing debt refinance, we have you covered. Want to consult with our dental practice finance experts who understand your cash flow and valuations?

Whether it is a practice loan, equipment finance, or commercial property acquisition, let us help you structure it for optimal tax treatment and cash flow management.

Request a Consultation Call

SMSF Property Loans for Dentists

Dentists can use their Self-Managed Super Fund to purchase commercial property, and even lease it back to their own practice.

How does it work?

  • Your SMSF purchases the commercial property.
  • Your dental practice pays rent to your SMSF.
  • The rent is tax-deductible for the practice and builds your super balance.
  • We work with SMSF specialists and coordinate with your accountant.

Key tax advantages

  • Rental income taxed at 15% (super fund rate)
  • Tax-free income once in the pension phase
  • Build retirement wealth while controlling practice location

Waived LMI for Dentists

Pay no LMI and borrow up to 100% of your home loan value!

On a 95% LVR home loan with a $1,000,000 purchase price, we help dentists save an average of $50,000 in LMI expenses.

We Cover Annual Loan Fees for Dentists

We pay annual loan fees for dentists on home loans above $500K, saving an average of $11,850 over the loan’s lifetime.

Specialist Interest Rates for Dentists

We internally negotiate to get the lowest interest rates designed specifically for dental professionals.

Why VOXFIN Is a Choice for Dental Finance in Melbourne?

Our Specialist Dental Lending Expertise

We arrange hundreds of dental practice loans across Australia.

We know which lenders offer the best terms for dentists and guide you on how to present your application for the fastest approval.

We Offer 40+ Specialist Lender Access

Our lender network includes major banks with medical/dental professional policies and specialist lenders.

We hunt for lenders with a dedicated focus on healthcare practice acquisitions.

We Work Alongside Your Accountant

We coordinate with your dental practice accountant for clarity.

We ensure loan structures are tax-effective and best aligned with your business strategy.

Time to kick-start your journey to your dental practice finance!

VOXFIN’s expert brokers specialised in dental practice loans are just a call away!
Start Your Application

Frequently Asked Questions (FAQs)

Questions and queries related to Healthcare Home Loans

WHAT ARE HEALTHCARE HOME LOANS?
Healthcare Home Loans is a mortgage broker specialising in providing home loan solutions tailored to the unique financial situations of healthcare professionals in Australia. Our expertise ensures that medical professionals receive the best possible home loan deals.
WHO IS ELIGIBLE FOR HEALTHCARE HOME LOANS?
95% LVR + LMI Waiver with No Minimum Income Requirement:

  1. Dentists
  2. General Practitioners
  3. Hospital-employed Doctors (Interns, Residents, Registrars, Staff Specialists)
  4. Medical Specialists
90% LVR + LMI WAIVER WITH MINIMUM INCOME THRESHOLD OF $90,000 PER ANNUM:
  1. Audiologists
  2. Chiropractors
  3. Midwives
  4. Occupational Therapists
  5. Osteopaths
  6. Physiotherapists
  7. Podiatrists
  8. Psychologists
  9. Radiographers
  10. Registered Nurses
  11. Sonographers
  12. Speech Pathologists
  13. Optometrists
  14. Pharmacists
  15. Veterinary Practitioners
WHY IS HEALTHCARE HOME LOANS DIFFERENT FROM OTHER BROKERS?
Healthcare Home Loans specialises in mortgages for healthcare professionals. This specialty allows us to access bespoke credit policies with lenders that benefit your position as a healthcare professional. As a platinum broker with major banks, we offer priority service and faster processing times for your loan applications.
How much can I borrow for a dental practice?
Typically, up to 100% of the practice purchase price, assessed on practice cash flow and your dental income. Final amounts depend on practice valuation and lender assessment.
Do I need a deposit for dental equipment?
No. Zero-deposit dental equipment finance is available from multiple lenders. The equipment itself serves as security.
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HOW IS USING A MORTGAGE BROKER DIFFERENT FROM GOING DIRECTLY TO THE BANK?
Using a mortgage broker offers increased choice and flexibility. Each lender has its own credit policy, affecting how much you can borrow. A mortgage broker compares multiple lenders on your behalf, potentially securing a better interest rate, higher borrowing capacity, and lower monthly repayments. We facilitate the entire process from start to settlement at no extra cost to you.
CAN HEALTHCARE HOME LOANS ORGANISE FINANCE FOR CONSTRUCTION?
Yes, Healthcare Home Loans can organise construction loans tailored to your needs, whether for major renovations, knocking down an existing property, or building a new one. Our broking team will guide you through the process and present the best solution for your situation.
I'M ON A VISA BUT PRACTICE IN AUSTRALIA. CAN HEALTHCARE HOME LOANS STILL ASSIST?
Yes, Healthcare Home Loans can assist visa holders practicing in Australia. However, banks will apply a 20% income reduction, and you will need to provide a larger deposit, typically around 20%.
Can I refinance existing practice debt?
Yes. Many dentists refinance to better rates or more favourable terms. We can also consolidate multiple practice debts into one facility.
What documents do I need?
APHRA registration, ID, recent practice financial statements (2-3 years preferred), purchase contract, and personal financials. We guide you through the exact requirements.
How long does approval take?
Pre-approvals within 48 hours for most applications. Full approval typically takes 7-14 days, depending on practice valuation and due diligence.

Why choose us?

We understand the importance of earning your trust in the guidance provided by the expert dental professionals loan broker at VOXFIN. We can assist you with all types of dental professional loans and all other financial lending needs, such as home loans, refinancing home loans, car loans, commercial loans, and insurance. 

Additionally, we can assist with organising financing to start or grow your business and fund your assets. 
About Us

Voxfin

At VOXFIN, expert dental professional loan brokers are here to assist you with all types of your dental practice financing needs. We simplify the loan process and provide the right information and guidance so you can make sound investment decisions.

We assist Australians throughout the nation. We work with over 40+ lenders in Australia to bring you the best loan option with the lowest interest rate and the most appropriate home loan structure to grow your property portfolio.

About Us

Voxfin

Australians have trusted us as expert home loan mortgage brokers for all types of their loans and mortgage needs such as first home buyer loans, refinancing home loans, agribusiness loans, business loan brokers, commercial loan brokers, car loan brokers, asset and equipment finance brokers, SMSF property loans, property development finance brokers, business car loan brokers, bad credit score lenders, medical professionals’ loans, personal loan brokers, and many more to help them find the suitable loans to finance their property dreams.
About Us

Voxfin

Get a Free Consultation

info@voxfin.com.au

03 70652000 | 0435 393 623

Specialist dentist loan brokers at VOXFIN have simplified loans for medical professionals.  

We work hard for you with honesty, transparency and genuineness, ensuring a long-lasting professional relationship built on trust.

 

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    What Our Customers Say

    Gurdeep Kumar at VOXFIN is a great professional and has deep financial knowledge. He helped me purchase my property under an SMSF. Gurdeep is an expert in SMSF property loans. As an investor, I know SMSF property loans are a lengthy process. From start to settlement, the process was well-informed. Highly recommend Gurdeep Kumar and it’s team at VOXFIN.

    - Ketan Patel

    Thanks to Gurdeep, He is an extra ordinary knowledgeable person with complete grip on ongoing market situations. I sought help from him and he has gone an extra mile.
    Highly recommended.

    - Haris Khan

    VOXFIN is awesome! Gurdeep is super helpful and knows his stuff. He made the whole process simple and guided me step-by-step with great advice. He got me the lowest rate for my land and construction home in Brisbane. Highly recommend Gurdeep and VOXFIN for home loans and financial needs

    - Maria Thomas

    VOXFIN is the best! Gurdeep is friendly, knowledgeable, and made everything easy to understand. He got us an amazing rate for our land and construction home in Brisbane. Couldn’t have done it without him! Five stars all the way!

    - Shino Varghese
    Gurdeep at VOXFIN is fantastic! He helped me get a personal loan with the lowest interest rate, making the process smooth and stress-free. Gurdeep is quick, efficient, and highly professional. Highly recommend VOXFIN for personal loans in Melbourne!
    - Aditya Mushnuri

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