We can help Newly Qualified and Experienced Dentists.
Dentists are in demand, lenders aren’t blind to this. Lenders see dentists as low-risk, high-reward borrowers. But if your income’s a little less textbook and a little more “irregular masterpiece,” we’ve got the expertise to make lenders listen.
If you’re a dentist and you’re emplyed on a permenant contract, you don’t neceassarily require specialist advice as you most likely receive a regular payslip. If you’re a partner or self employed, you would most likely benefit from receiving specialist advice in order to find the most suitable mortgage.
This might be because you are recently qualified and don’t yet have an established track record, or you may be nearing the end of your career and planning to sell your practice in the not too distant future. Whatever the challange, we’re up for it.
Here's a few questions we get from Dentists
I have been a qualified dentist for less than a year, can I get a mortgage?
Sure! We work with lenders that can work from projections using your anticpated income. We can also consider UDA’s (Units of Dental Activity) if you’re working within an NHS practice. If you’re in prviate practice, we can usually work from a practice owner reference.
I only have one year's accounts, my bank has told me I need two?
While many lenders require two years’ worth of accounts, we specialise in securing mortgages for dentists with just one. By reviewing your financial track record—including bank statements and practice performance—we build a strong case to lenders who would normally ask for more.
Can I use my UDA income?
Yes, that’s the short answer. We understand how UDA income works and how to present this to a lender.