Securing a home is an exciting milestone for dentists, but we understand that busy schedules and complex lending options can make the process feel overwhelming. At Saan Home Loans, we specialise in supporting dental professionals with tailored lending solutions designed to match your strong income profile and career stability.
Waived Lenders Mortgage Insurance (LMI) up to 95% LVR
Standard buyers must pay expensive Lenders Mortgage Insurance if their deposit is under 20%. For doctors, select lenders completely waive this fee, even with a tiny deposit.
High Borrowing Caps and 100% Income Calculations
Standard home loan assessments often reduce ("shade") variable income like overtime or bonuses to 80%. Specialist medical lenders assess doctors using aggressive, preferential criteria.
Flexible Credit Policies for Every Career Stage
Lenders understand the medical career pathway, from internships to private practice ownership. They offer policy exceptions that are unavailable to the general publi
Broad Eligibility Across Medical Specialties
To qualify for these premium medical home loan benefits, you must be a registered medical practitioner with AHPRA. Eligible professions include:
FAQS
- Am I eligible for government grants?
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Eligibility for First Home Owner Grants and stamp duty concessions varies by state and depends on factors like property value, whether it's new or established, and your residency status. We'll assess your situation and help you understand exactly what you qualify for.
- How much deposit do I need?
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Most lenders require a minimum 5-20% deposit. The larger your deposit, the better your loan terms typically are. We'll explain your options, including Lenders Mortgage Insurance (LMI) if you have less than 20%, and help you create a deposit strategy.
- What can I actually afford?
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We assess your income, expenses, and financial commitments to calculate your genuine borrowing capacity. We'll show you what you can borrow and, more importantly, what you can comfortably repay while maintaining your lifestyle.
Your Success is Our Priority
We work with an extensive panel of lenders across Australia, comparing rates, terms, and features to find the perfect match for your needs. Unlike banks that offer only their own products, we give you choice and competitive advantage.
Step 1: The Strategy Session (Kick-Off)
A 15-minutes deep dive into your goals.
Step 2: The Digital Vault (Document Collection)
Upload your essential documents.
Step 3: The Blueprint (Pre-Approval)
We will find the most suitable product as per your needs.
Step 4: The Green Light (Formal Approval)
Loan agreement ready to sign off.
Step 5: The Handover (Settlement)
Legal ownership transferred and keys handover to you.
Step 6: The Watchdog (Post-Settlement)
We will keep in touch until your loan is paid-off.
