Specialist
Dentist Mortgages
For Buying and Remortgaging UK property
Speak to Us Today
For Buying and Remortgaging UK property
Speak to Us Today
We provide high quality, professional mortgage solutions for dentists.
Through our market knowledge and established lender relationships, we can deliver the best possible terms.
Call us on 0203 900 4322 to discuss your requirements or complete the enquiry form below.
Complete the simple form to receive tailored mortgage options.
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At Clifton Private Finance, we have extensive experience in helping clients find specialist mortgage solutions. We can help:
Complete the simple form to receive tailored mortgage options.
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The wrangling with HMRC about whether associate dentists are classified as self-employed has caused enormous uncertainty for young associates hoping to buy their first home, remortgage, or build some financial security by investing in a buy-to-let.
However, many mortgage lenders understand the value of the years of training you've invested in and offer generous salary multipliers and preferential rates based on your future income potential and long-term financial stability.
If you are looking to maximise your borrowing potential and speed up your mortgage approval, our specialist mortgage brokers can help you address the five fundamental issues that dentists typically face throughout a dental career:
A minimum of 4.5 times income is available to most mortgage applicants. Dentists can often access stronger borrowing capacity, with many lenders willing to assess enhanced income multiples through a professional mortgage. Some UK lenders will go up to six times income for established dentists such as senior partners, practice owners and consultants, depending on the deposit size you can offer and their affordability calculations.
This is where a mortgage broker experienced in finding the right mortgage lender for professionals with complex earnings can help you compare suitable mortgage products for dental professionals and get access to specialist lenders who can offer you the level of borrowing you’re looking for on the most favourable terms.
Dentists’ income can be complicated for inexperienced high street banks or building societies to understand. For a successful application, they mustn’t be led astray by the normal stops-and-starts of dental careers:
Newly qualified dentists working as associates need to get up to speed quickly on the complexities of being self-employed, whether operating as a sole trader or a limited company. Some mainstream lenders struggle because dentists often have complex income structures. The right lender also needs a deep understanding of the dental sector’s financial nuances and multiple income streams.
But time and again, successful young dentists run into problems with their mortgage applications because standard underwriting does not always reflect the normal features of dental earnings:
An experienced broker can present your case to the right lender and secure mortgage approval before you start your associateship, based solely on your signed contract and projected future earnings, and some lenders will accept shorter income documentation for newly qualified associates.
The right lender will be willing to take a long view of your career earnings, assess your borrowing potential, and may also have an eye to future lending – to purchase a practice or buy-in as a partner, including cases where a principal dentist is planning ahead.
Projections for dentists’ earnings vary widely:
You will probably expect to move around at the start of your career: to an approved practice to do your foundation training, a practice that can offer you an associateship, or to an NHS appointment.
This can make deciding where and when to buy a first home more complicated as you calculate your borrowing potential and plan your first steps on the property ladder.
You may need the flexibility to let out your home for some time, in which case you need a mortgage provider willing to grant consent-to-let or a mortgage product without early exit fees, including fixed rate mortgages if predictable monthly payments matter to you.
Or you may want to buy a second property as your home and switch your first mortgage to buy-to-let, while keeping future lending options open if you later want to purchase a practice or buy in as a partner and become a principal dentist.
Goodwill loans can reduce mortgage affordability calculations when planning a practice purchase or buy-in.
An experienced mortgage advisor will look at the mortgage finance available to you from the whole UK market of high street banks and building societies, private banks, and specialist lenders. Early career moves can make first-home choices feel harder, but the right approach can still help you get onto the property ladder.
Private banks and specialist lenders are not as constrained by rigid qualification criteria and can take a more flexible, nuanced view of dentists’ current and future financial situations.
A mortgage broker experienced in arranging dentist mortgages, such as our specialist mortgage team at Clifton Private Finance, will:
Complete the simple form to receive tailored mortgage options.
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With most BDS degrees taking five years instead of three, the average dental graduate carries more student debt than their liberal arts counterpart. But student loans are different to other types of debt and don’t appear on your credit rating.
An outstanding student loan only features on a mortgage application if your lender asks for monthly student loan repayment details as part of their standard affordability checking. The total debt amount is not taken into account. And because student loan repayments are directly related to current earnings, dentists are no worse off applying for a mortgage than any other graduates.
As a very rough guide:
At this level of earning, other factors, such as deposit amount and credit history, may be much more significant.
Dentists are among the most time-pressured of all the professionals we work with when sourcing property finance. Which all too often means that essential investment decisions get pushed down the priority list.
We understand that dentists have particular professional circumstances which call for bespoke mortgage solutions. We also know that the need for qualified, personalised advice should be provided at a time that suits you.
Contact us at Clifton Private Finance at any time, and we’ll arrange a detailed discussion to help you find the most suitable solution.
Call +44 117 959 5094 or book a time for us to call you back.
I approached Clifton Private Finance to help me get a mortgage as an Expat working in the Far East. I would normally 'cut out the middle man' on something like this and try to get myself a deal directly with the banks, but I am now sold on the broker concept and wouldn't hesitate to use Clifton Private Finance again. There were a number of complicating factors such as being an expat, the stamp duty holiday, the sheer amount I wanted to borrow and the fact I wanted it all wrapped up before the Stamp Duty holiday ended. It is clear to me now that the relationship that brokers have managed to foster with their banks means they can simply pull levers and make stuff happen that us ordinary folk cannot. Put simply, they are worth every penny, will take most of the stress out of the lending process, and seem to have access to deals that you just won't find on the internet. Thank you George and Jan for all your hard work!
James M
Luther was excellent. Very clear in his advice and explanations of products and was able to move things on very quickly when we ran into difficulties with the estate agents. Without a doubt I would recommend Luther to all friends, family and colleagues. Luther was a joy to deal with and took a lot of the stress out of a troublesome transaction, from my end. I would view Luther as real asset to Clifton Private Finance Ltd.
William W
The team at Clifton Private Finance has been outstanding, not only in helping me to obtain a mortgage on a slightly unusual home, but also in continuing to provide support and liaise with the lender and solicitors through to completion. Thank you for making the process of buying my first home much easier.
Chantelle S
Sam O'Neill, and the new lender he identified for me, worked tirelessly together using my time constraints, to make sure my mortgage application was completed on time. They are a brilliant company to work with, fast, efficient, open and transparent from the very beginning, and turned a seemingly impossible situation into a viable one. Sam was brilliant throughout the whole process and I would highly recommend him, and his colleague Helen, to anyone without hesitation, I cannot speak highly enough about them.
Myr B
I was incredibly lucky to find Clifton Private Finance after a search on line as their service has been more than exemplary. My point of contact was Sam 0’Neill and he was happy to help at every stage during the application of the bridging loan, making a stressful process much easier to deal with. He was always available by phone or email and gave prompt answers to queries I had as well as always getting back to me when he said he would. That to me is excellent customer service and I cannot thank him personally or the company enough for the support they have given me.
C Jefferey
Adam cannot thank you enough for all your support throughout this arrangement. You have gone more than the extra mile to support us. Without you we would not have got our dream retirement home. You have been most professional and personable. Liz and I would be more than happy if you wanted to use us a reference with respect to any future clients.
Nigel & Liz K - Bristol
You have certainly shown me that you do everything for your clients, including tolerating their excessive emails and questions for updates. I have been kept in the loop, from yourself, about why the delays were occurring (Nationwide, post etc) which I would like to highlight that I really appreciated. I certainly will be able to recommend you to others as and when the need arises.
Mr Morris
I recently contacted Clifton Private Finance after a Google search for bridging finance providers and was immediately struck by their efficiency and support. Forms were emailed over almost immediately and the necessary finance was arranged within a few days. None of the other companies I contacted came close to their professionalism, and the quote that I eventually received was impressive. Thank you Adam, your help has enabled us to reserve the house that we wanted and I certainly recommend you to others.
Mr M. R. - Oxford
Absolutely brilliant. The service was first class, got everything sorted efficiently and were always friendly. Any fees were negligible compared to the service offered. Robert was particularly outstanding.
Charles N
My advisor, Robert, was very helpful in finding the mortgage to suit me. He kept me up to date throughout the process and dealt with any issues when they arose.
Rowena C
