Dentist mortgages specialist broker
Lending for Dentists
Qualified Dentists earn well above average incomes, and, as with most Professionals, they are attractive clients for mortgage lenders.
Problems arise where Dentists operate under some form of self-employed contract such as locum work. This is where our specialist advice on lending for Dentists can assist.
A locum is considered as a self-employed applicant by mortgage lenders. As a result, most lenders will want to see at least two years trading history in order to lend to a Locum Dentist.
Since many of our Dentist clients use locum work to boost their earning power, or fit in around lifestyle commitments, this work is often entered into for shorter periods.
We have lending sources that will consider Locum dentists with trading periods of under 12 months.
Associate Dentists new to a Practice
A Dentist that becomes an Associate in an established Practice is newly self-employed. This is often a problem with mainstream lenders in the first two years of trading as there is an insufficient self-employed track record for lending.
We have lenders that will consider Dentists who have recently become an Associate provided the Practice is well established with its own profitable track record.
Change of Trading style
Been Sole Trader, gone Limited? Your Bank telling you that you need to be two years as a Limited Company? Not so.
We regularly assist Dentists that have recently changed trading style.
Dentists NHS/UDAs and Private Practice
Where a professional has an NHS employed contract of UDA’s and also carries out additional work on a private basis, this can be a complex scenario to put to a high street mortgage lender.
Fortunately, we deal with this kind of profile for Dental Surgeons every day and can help smooth the way for you.
Saving Dentist’s time and money
Our online systems are designed to reduce the time it takes for Dental Surgeons to interact with us in order to arrange your mortgage. We save you time to save you money.
We specialise in Dentists Mortgages and Mortgages for other Professionals