- Dentists
- Updated
- • 5 min read
Dentist LMI Waiver Guide
Dentists are among the professions that may qualify for LMI waiver policies with some lenders. However, not all lenders include dentists, and the criteria — registration, income, loan size and LVR — vary between lenders.
Quick Answer
Some lenders offer LMI waiver policies for dentists, subject to dental registration, income, loan size and LVR. Eligibility is not guaranteed and varies by lender.
What Lenders Require For Dentist LMI Waivers
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AHPRA registration — must be current
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Practice Owners vs Employed Dentists
Employed dentists with PAYG income are generally assessed more simply. Dentists who own a practice have additional complexity — practice income, business debt and company or trust structure all need to be accounted for alongside the personal loan application.
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Frequently Asked Questions
Do all dentists qualify for LMI waivers?
No. Eligibility depends on lender policy, registration, income, LVR and loan size.
Does being a practice owner affect LMI eligibility?
It can. Practice income, business debts and entity structure may affect the overall assessment.
How Dentist LMI Waivers Work
Professional LMI waiver policies for dentists typically require AHPRA registration, a minimum income level, a loan within a maximum LVR and a loan amount within the lender’s cap. The exact criteria vary by lender and can change.
What Lenders May Look At
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Employed vs Practice-Owner Dentists
An employed dentist receiving PAYG income with AHPRA registration is typically the easiest case for an LMI waiver. A practice-owner dentist with income flowing through a company or trust is more complex — some lenders may still extend the waiver, others may not.
What Happens If LMI Waiver Is Not Available
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Common Mistakes
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Do all lenders offer dentist LMI waivers?
No. This is lender-dependent. Eligibility criteria vary.
Does owning a practice affect eligibility?
It can. Practice income and business debts may complicate the assessment.
Check Dentist LMI Waiver Eligibility
We review lender policies for dentists across 50+ lenders.
General information only. Lending eligibility, LMI waiver policies, rates and approval outcomes vary by lender and are subject to assessment.
Check Your Dentist LMI Eligibility
We review lender policies for dentists across 50+ lenders.
General information only. Lending outcomes vary by lender and individual circumstances.