By James Evans, Director, TouchPoint Mortgages.
Whether you’re a newly qualified associate or an experienced practice owner, getting a mortgage as a dentist isn’t always straightforward. While lenders see you as a strong borrower, the way your income is structured can make things more complicated than it should be.
In this guide, we break down how mortgages work for dentists, what challenges you might face, and how working with a mortgage advisor who understands your profession can make all the difference.
From the outside, dentistry looks like a secure, well-paid career — and it is. But many dentists are:
Paid through a mixture of NHS contracts, private income, or a combination of both
Self-employed or running a limited company
Earning fluctuating monthly income
Newly qualified with limited track record
These factors can make high street lenders cautious — even if you’re earning a strong income.
That’s where the right mortgage advice comes in.
Here are just a few of the sticking points we see when working with dental professionals:
🧾 Lenders who don’t understand UDA/NHS contract income
🧮 Needing 2–3 years of accounts when you’ve only just gone self-employed
🏦 Banks that won’t accept retained profits in your Ltd company
🗓️ Having to wait until the end of the tax year to use your most up-to-date income figures
💳 Juggling practice loans or student debt
Sound familiar?
You’re not alone. Many lenders apply one-size-fits-all criteria that simply don’t work for your profession — even though dentists typically have excellent long-term affordability.
At TouchPoint Mortgages, we work closely with lenders that:
Accept self-employed income after just 1 year
Understand NHS associate and private practice structures
Consider multiple income streams
Use retained profits + salary + dividends when assessing affordability
Offer specialist underwriting for medical professionals
Whether you’re buying your first home or upsizing, we’ll help you present your income in the best light to the right lender.
💬 Looking for tailored advice? Speak to your mortgage advisor in Littlehampton or Rustington today.
Here are a few quick ways to get yourself mortgage-ready:
Have your last two years’ tax returns/accounts to hand
Keep a record of all income sources, including private/NHS splits
Check your credit report for any red flags
Don’t make large financial changes (like incorporating) just before applying
Work with an advisor who understands your profession inside and out
Whether you’re:
A young associate buying your first flat in Worthing
A couple buying a family home near Arundel
Or a practice owner upgrading in Chichester
We’ve helped many dental professionals secure the right deal — and we’d be happy to help you too.
🏡 Planning a move? Visit our Homemovers page
🔁 Looking to remortgage? Explore our Remortgage options
📍 Based nearby? Visit TouchPoint Mortgages for friendly, local advice
Dentists often face unique hurdles when it comes to getting a mortgage — but with the right guidance, those hurdles can be easily overcome.
At TouchPoint Mortgages, we understand your profession and speak the same language as specialist lenders. Whether you’re newly qualified or running a busy practice, we’ll help you get the mortgage you need — minus the stress.
👉 Speak to a mortgage advisor in Littlehampton or Rustington today and let’s find the right path forward.
Send your message and we will be in touch, alternatively you can book an appointment to chat to one of our team.
