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Mortgages for Dentists

Are there mortgage for dentists? Yes! And you can get the right advice on them here.

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Pete Mugleston

Author: Pete Mugleston - Mortgage Advisor, MD

Updated: June 14, 2022

As a dentist, you’re probably used to providing expert advice to your patients, but when it comes to finding a mortgage, it might be financially beneficial to seek guidance yourself.

Comparing products and scouring the market for the best dentist mortgage rates can take some time, especially if you are unfamiliar with which lenders provide more favourable terms and conditions for people in this line of work.

What mortgages are there for dentists?

Depending on your personal and financial circumstances, there may be multiple mortgage options for you to choose from as a dentist.

The important thing to remember is that even if you have been previously declined for a mortgage, there may be other lenders who are willing to approve your loan.

Each mortgage provider will use their own set of criteria to determine whether you are an eligible borrower, so it can sometimes just be a case of finding the right lender for you – some are better positioned to cater for the needs of dentists than others.

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We know everyone's circumstances are different, that's why we work with mortgage brokers who are experts in all different mortgage subjects.

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What factors can affect dentist mortgage loans?

Although lenders have varying criteria and guidelines that they’ll use when assessing your mortgage application, the majority will focus on:

Deposit size

The size of your deposit can affect the rate and the size of loan that you may be offered.

Having a larger deposit ready for a mortgage would mean that you own more equity in the property and would therefore need a smaller loan. For some borrowers, this can lead to lenders offering a lower interest rate on their mortgage.

Speak to an advisor here for advice on how much deposit you may need.


The amount you earn and the source of your income can also affect your choice of lenders.

In some instances, a lower income or less stable source of income can decrease the range of mortgage lenders that may be willing to lend to you.

Most lenders will consider loaning up to 4.5 x a borrower’s salary.

For example, if we were to take the average starting salary of a dentist in the UK, the figures would be as such:

£31,355 x 4.5 = £141,097.5

You may also find that some dentist mortgage lenders in the UK are prepared to offer higher income multiples of 5 x an annual salary and, in very exceptional circumstances, there may even be those willing to lend 6 x.

Of course, there are many specialist roles and areas within dentistry, each with varying salaries, which inturn affect how much mortgage may be approved. Here are some examples of what you may be able to roughly get:

Role Average Salary 4.5 x Income Multiples 5 x Income Multiples 6 x Income Multiples
Community Dental Care £38,861 £174,874.5 £194,305 £233,166
Hospital Dental Care £31,355 £141,097.5 £156,775 £188,130
Consultant in Dental Specialties £76,761 £345,424.5 £383,805 £460,566
Orthodontist £30,000 £135,000 £150,000 £180,000

The above figures are for demonstration purposes only. To gain a more accurate figure, talk to a mortgage advisor.


Some lenders can limit the amount they will lend to retired or soon-to-be-retired professionals because of concerns about how they will afford to pay their mortgage with a limited retirement income.

Property type

Certain property types and materials can affect whether or not a lender will approve a mortgage application.

Make an enquiry here for the right advice on how to get a mortgage for a non-standard build.

You can also find more information about non-standard construction mortgages in our guide.

Mortgages for self-employed dentists

Many general practice dentists seeking a mortgage are self-employed contractors, often combining NHS with private work.

Having a combined income from two sources increases your overall earnings per year, but in some cases, lenders can be cautious when lending to self-employed dentists.

This is because income from contracts can be seen as less predictable, making it difficult to establish exactly how much you may earn in the future.

This can create a level of uncertainty about whether you will be able to afford your mortgage throughout your loan agreement.

In some instances, a lender may decide to cap the amount that they will lend you or even reject your application for a dentist mortgage loan.

Will I be able to get a mortgage if I’m a self-employed dentist?

The difficulties that many self-employed dentists face when trying to get a mortgage can be frustrating, especially if their income is higher than the average borrower.

However, depending on your circumstances, there may be specialist lenders who as the name implies, specialise in helping self-employed buyers get mortgages.

In fact, the advisors we work with have secured countless mortgages for self-employed professionals, even when the borrower has less than two years of accounts.

Speak to a mortgage specialist here for more information on how you can get a mortgage for a self-employed dentist.

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Which lenders should I approach for a dentist mortgage?

Many dentists make the unfortunate mistake of applying for numerous dentist mortgages within a short period of time because they are unsure about which lenders will accept them.

However, this can have a negative impact on your credit file.

Many dentist mortgage providers will run searches on your previous credit applications, so if you have approached multiple lenders within a short time frame, this can suggest an urgency for finance or that you’re being consistently declined.

Furthermore, because each lender takes a different stance on who they deem to be a good borrower, the likelihood is that not every application you make will be successful.

Every hard credit search on your file leaves a mark and can lower your overall credit score and more importantly, this can stay on your report for up to two years.

Hard credit searches have the same impact on the credit score/file regardless of if it’s accepted or declined.

Research dentist mortgage lenders before you apply

Your credit report will be examined closely by lenders, so avoid applying for a mortgage until you have sought the advice of a mortgage professional.

The brokers we work with have whole-of-market access, which means that they can see the current rates and deals of the lenders in the UK, including Scottish Widows mortgages for dentists and products from other mainstream lenders, as well as niche providers.

Using their industry knowledge, they can determine which lenders are more likely to approve your loan ahead of you applying.

Contact an advisor here to find out which lenders to approach for your dentist mortgage.

How can a mortgage broker assist me with my dentist home mortgage?

The advisors we work with are mortgage specialists who’ve helped countless people just like you. They can source the best rates and deals for you, saving you time and money on wasted mortgage applications.

Mortgage applications notoriously come with an abundance of paperwork. As a working professional your time is limited and our advisors understand this.

They can manage any paperwork on your behalf, ensuring that it is sent promptly to the correct departments.

Furthermore, they know exactly which lenders are best positioned to provide competitive rates and the best deals for dentists, so you can rest assured that you will be introduced to the right provider first time.

Speak to a mortgage broker for dentists

If you have questions about home mortgages for dentists and want to speak to an expert for the right advice, call Online Mortgage Advisor today on 0808 189 2301 or make an enquiry here.

Then sit back and let us do all the hard work in finding the broker with the right expertise for your circumstances. We don’t charge a fee and there’s absolutely no obligation or marks on your credit rating.

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If you're a dentist and have a specific question or query then get in touch.

We know everyone's circumstances are different.

That's why we'll pass you to a specialist broker, right for you, based on the information you give us.

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About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

Read more about Pete

Pete Mugleston

Mortgage Advisor, MD

FCA disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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