Whether you are a newly qualified associate, an established NHS dentist, or running your own practice, getting a mortgage on dental income can be complex. We work with lenders who understand how dental pay structures work and will assess your income fairly, whatever your contract type.
Newly qualified? Some lenders will accept your confirmed NHS associate contract or first private appointment before you have started. You don't need months of payslips before you can move into your home.
Associate income and UDA payments don't sit neatly on a standard application form, but that doesn't mean you're stuck. We work with lenders who assess your actual dental earnings, whether from NHS contracts, private sessional fees, or a mix of both, and base affordability on what you genuinely earn.
Many high street lenders won't lend beyond age 70, but specialist lenders will. They will also consider your pension income in later life planning. Whether you are approaching the end of your NHS contract or winding down a private practice, we can find the right option for your circumstances.
When your fixed rate ends, we search the whole market to find you the best remortgage deal. Most lenders offer free valuations and free legal fees through their appointed solicitor for standard remortgages.
Alongside dental-profession-specific mortgage products, these government schemes may also help you get on the property ladder sooner or with a smaller deposit.
For official BDA guidance on dental practice and contracts:
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