Dentist mortgages
Why choose us
As a specialist mortgage broker for dentists with all types of income, Cleerly has the experience and expertise to help you turn your skills and income into homeownership. Fill in our online form to request a call back or speak to a member of the team today on 02394 212912.
Introduction
How can Cleerly help dentists qualify for mortgages?
As a dentist, your career path and income structure are unique. At Cleerly, we not only understand this, but we celebrate it. We've built our reputation on securing mortgages for professionals just like you, leveraging our deep understanding of your profession and our trusted relationships with specialist lenders. We see the bigger picture, ensuring your mortgage is structured to reflect your true earning potential, not just a snapshot of your recent payslips.
What to consider
How will income be assessed for dentists?
We know that dentists have a variety of income arrangements. Our expertise lies in presenting your income to lenders in a way that they understand and value. Whether you are:
- Self-Employed: Drawing a share of the profits from a dental practice, we can typically secure a mortgage with just 12 months of trading accounts, rather than the typical 24 or 36 months requested by most lenders.
- Employed: If you're a salaried dentist, we can often proceed with just one full month's payslip, or even your contract alone before you start your new job.
- Working with Units of Dental Activity (UDAs): For those on an NHS retainer contract with UDAs, we can demonstrate your annual income to lenders with as little as three months' proof of your UDAs.
- On an Annual Contract: If you're working on an annual contract, whether employed or self-employed, and your contract value is over a minimum threshold, some of our lenders can consider your application from day one, even if you work on daily or hourly rates.
Maximising your income while minimising perception of risk
The Cleerly Advantage for Dentists
We are not just mortgage brokers; we are specialists in complex cases. Our team has over 50 years of combined experience, and we have brokered over £9 billion of mortgages for over 30,000 clients. This has allowed us to forge strong relationships with a wide range of specialist lenders who appreciate the nuances of professional incomes. This means we can often secure exclusive rates and terms that you won't find elsewhere.
We believe in jargon-free advice and a stress-free process. We're here to handle the complexities of the application, so you can focus on what you do best. With Cleerly, you're in safe hands. Let us help you secure the mortgage you deserve.
Trusted lenders we work with
