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Dentists
Specialist Mortgage Advice For Dentists
Associate, practice owner or newly qualified? We help you find lenders who understand how dentists earn, including professional mortgage schemes.
Dentists
Your Dental Career Deserves Specialist Mortgage Advice
Understand how lenders may assess your income as an associate, practice owner or employed dentist.
01
Professional Mortgages
Some lenders offer professional mortgages that include dentists, with income multiples of up to 6 times your income, subject to affordability.
02
Registration & Qualification
Lenders typically ask that you're fully qualified, practising and registered with the appropriate UK professional body, which for dentists is the General Dental Council.
03
Associate Status
Since 6 April 2023, associate dentists are no longer automatically treated as self-employed. Status is now assessed case by case, so you may be self-employed or employed. This affects how lenders assess your income.
04
Self-Employed Evidence
If you're self-employed, lenders commonly ask for SA302 tax calculations and tax year overviews. Many want 2 years, though some will consider 12 months.
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FAQ
Common Questions
Everything you need to know about mortgages for dentists
Can dentists get a professional mortgage?
Yes. Some lenders run professional mortgage ranges that include dentists, with income multiples of up to 6 times your income, subject to affordability. For example, one lender offers up to 90% loan-to-value with a minimum income of £35,000 for single applicants or £50,000 for joint applicants.
I've recently qualified. Can I still apply?
Yes. Some professional mortgage ranges are aimed at newer professionals. For example, one lender's range is for those who qualified within the last ten years. Lenders typically require you to be fully qualified, practising and registered with the appropriate UK professional body.
Are associate dentists self-employed?
Not automatically. Until 6 April 2023, HMRC treated associates as self-employed where a BDA or DPA standard contract was used and its terms were followed. Since then, each associate's status is assessed case by case under the usual employment status rules, and HMRC points to its Check Employment Status for Tax (CEST) tool. Lenders will assess your income based on your actual status.
How is a self-employed dentist's income assessed?
It depends on how you work and on the lender. Sole traders are usually assessed on net profit, while dentists working through a limited company are often assessed on salary plus dividends. Some lenders average your last 2 years where your income has increased, or use your latest year where it has fallen.
What documents will I need?
If you're self-employed, expect to provide SA302 tax calculations and tax year overviews, which you can print 72 hours after sending your Self Assessment tax return, along with your accounts and bank statements. If you're employed, lenders will usually ask for payslips. You may also need to confirm your professional registration.