- Dentists
- Updated
- • 5 min read
Investment Loans For Dentists
Dentists in established practice positions are often well-placed to invest in property. However, practice debt, business income structure and personal income need to be carefully assessed before applying.
Quick Answer
Dentists can access investment loans, but practice debt and business income structure affect the assessment. Lender choice and loan structure are important considerations.
Key Considerations For Dentist Investors
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Practice debt — included in personal serviceability
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Business income — assessed via tax returns and financials
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Loan structure — interest-only vs principal and interest
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LMI waiver — some lenders extend this to investment loans for dentists
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Future borrowing capacity — how investment debt affects further lending
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How Dentists Can Access Investment Property
For a dentist with stable practice income and equity in their home, investment property is achievable — but the lending process requires careful preparation. Lenders will assess the full picture: personal income, business income, practice debt and how a new investment loan affects future borrowing capacity.
The most common strategy dentists use is releasing equity from their owner-occupied property as a deposit for the investment purchase. This avoids the need for cash savings and allows the equity that has built up to work harder.
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Confirm equity position — current valuation minus remaining loan
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Set up the equity release as a separate loan facility to keep purposes clean
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Choose the investment property loan structure — IO or P&I
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Calculate how the new loan affects capacity for future purchases
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Confirm rental income shading with the lender before finalising
Frequently Asked Questions
Does practice debt reduce investment borrowing capacity?
Yes. All business debts are included in the personal serviceability calculation.
Can dentists get interest-only investment loans?
Yes, subject to lender policy and serviceability assessment.
Investment Lending With Practice Debt
A dentist’s personal borrowing capacity for investment is affected by practice debt, personal income level and business income structure. Getting the full picture before applying for investment finance is essential.
What Lenders May Look At
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Practice debt — loans, leases and equipment finance
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Personal salary from the practice
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Rental income from existing investments (shaded to 70–80%)
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Living expenses and dependants
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Equity Release For Investment
Dentists with significant equity in their home or existing investment property may be able to release some of that equity as a deposit for a new investment purchase. This needs to be structured carefully to keep loan purposes separate.
Common Mistakes Dentist Investors Make
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Not factoring practice debt into investment borrowing capacity
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Cross-collateralising home and investment loans
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Not keeping loan purposes separate
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Choosing interest-only without understanding the long-term cost
Can dentists get interest-only investment loans?
Yes, subject to lender policy and serviceability.
Does practice debt count toward investment borrowing capacity?
Yes. All business debts are included in personal serviceability assessments.
Review Dentist Investment Lending
We assess practice income, business debt and investment loan options for dentists.
General information only. Lending eligibility, LMI waiver policies, rates and approval outcomes vary by lender and are subject to assessment.
Review Dentist Investment Lending
We assess practice income, business debt and investment loan options.
General information only. Lending outcomes vary by lender and individual circumstances.