Working with dental professionals from across the UK, we help you secure tailored mortgages for dentists to match your personal circumstances.
For dental professionals, securing a mortgage can be a complex and sometimes overwhelming task. With varied income streams, student debt, and unconventional career paths, traditional mortgage processes often fail to accommodate the financial realities of dentists. That’s why bespoke mortgage advice tailored to the dental profession is essential, and where Bower Private Clients is here to help.
We specialise in helping dentists and other healthcare professionals navigate the mortgage landscape with confidence and clarity. Whether you’re buying your first home, remortgaging, or investing in property, our team of specialist mortgage advisers is here to guide you every step of the way.
Dentist mortgages are specialist lending products tailored to meet the unique challenges faced by dental professionals. Unlike standard borrowers, dentists often have income from a mixture of NHS contracts, private practice, self-employment, or even locum work. This complexity can make it harder for mainstream lenders to assess affordability.
In addition, factors such as student debt, early career income, and earnings from multiple sources can make mortgage applications more complicated. Specialist brokers, like the team at Bower Private Clients, understand these financial nuances and work directly with lenders that recognise the long-term earning potential and financial stability of dentists.
At Bower Private Clients, we focus on providing bespoke mortgage advice specifically for dental professionals. Our deep understanding of the dental sector allows us to navigate complex income structures, including NHS and private earnings, dividends, and limited company profits. We know how to present applications effectively to specialist lenders and maximise borrowing potential based on career progression and future income projections.
We work closely with our clients to align mortgage products with their long-term financial and professional goals. Whether you’re a foundation dentist just starting out or an established practice owner, we tailor your mortgage solution to your career path.
Dentists benefit from a range of advantages when applying for a mortgage. Many lenders offer income multiples of up to five times, and in some cases, even six times income for senior dentists and practice owners. Specialist mortgage products with preferential rates are also available due to the professional status and stable career trajectory of dental professionals.
These products often come with more flexible lending criteria. Lenders may consider projected earnings, signed contracts, or recently started positions in their affordability calculations. Additionally, your status as a dentist presents a low risk to lenders, which improves your chances of securing favourable terms and conditions.
Dental professionals have access to a wide range of mortgage options. Fixed-rate mortgages provide consistent monthly payments, making them ideal for those who prefer predictability. Variable-rate and tracker mortgages, on the other hand, may offer lower initial rates and are suitable for those looking to benefit from fluctuations in interest rates.
Dentists looking to invest in property can also explore buy-to-let mortgages, while those expanding or acquiring a dental practice may benefit from commercial mortgage options. For dentists trading through a limited company, limited company mortgages allow borrowing based on business profitability rather than just personal income. Each type of mortgage comes with unique features and benefits, and a specialist broker can help you choose the option that best supports your goals.
Principal dentists and practice owners often require more complex financial solutions. Commercial mortgages can help with the purchase or expansion of a dental practice, while limited company mortgages are ideal for those wishing to keep business and personal finances separate. These types of mortgages allow borrowing based on the profitability of your business, potentially increasing your borrowing capacity if the practice is financially successful.
At Bower Private Clients, we work closely with lenders who understand the financial landscape of dental businesses, ensuring a smooth and informed mortgage application process.
Take the first step in your complex mortgage journey with Bower Private Clients.
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I received fantastic service. My advisor was very proffesional and guided me through the whole process he was very knowledgeable about the products and worked hard to find the right one for me. He was always there to advise me and answer any questions I may have. I would not hesitate to recommend this company and my advisor to anyone requiring these services. I would definately give them 10 out of 10.
Miss Steel
Bower were worry-free, polite, efficient and friendly and got the job done with no fuss or bother. They kept us in the loop at all times, making us feel at ease, and any questions we asked, they responded with clarity and accuracy. We highly recommend them to anyone selling their house and doing an equity release. And all the sub people were excellent. Vanessa Carver was brilliant; she made it run smoothly. She was a godsend.
Mr & Mrs Kindon
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Considering Equity Release was a big decision for me. Living on my own meant I had no-one to bounce ideas off so I hesitated for three months before I made the decision to contact Bower Home Finance. I read the amazing reviews they had and decided they were the ones for me. I made the initial contact on the 4th November 2025 and by the next day I was talking to Ian Bigwood who had been allocated to me. Ian had the patience to answer all of my (sometimes silly) questions, but I wanted to make sure I was doing the right thing. Ian took on board everything I said, on where I needed to be in the next twelve months and my long term goals post retirement. He advised me perfectly on what I needed and remained in full contact throughout the process, even when I wasn't expecting to hear from him. He liaised with other parties such as an equally as professional Solicitor Team to provide a perfect, worry-free service and they all contacted me when they were meant to. No delays, no stress. On the 13th January 2026, Ian called to say "Have you checked your bank account?" (I hadn't). The process was complete. In just over two months, the process was done, with no worries for me. Just to say to Bower Home Finance, you have a thoroughly professional and likeable member of your team. Easy to deal with, no pressurised questions, just the information you need and on call whenever you need them. I have no hesitation in recommending their services. I can't see how any other company could be more efficient. 10/10 from me. Oh and Ian - you may have just changed my life. And for that, I cannot be more grateful. Thank you for all you have done.
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I was recommended to use Vanessa Carver of Bower from a customer of mine who had employed her services and I haven't regretted one day of my decision to use her.... she is totally suited to the job she does - informative, always there for any questions or worries, empathetic, positive and very clever and knows her stuff - in short, I would recommend her to anyone as she has supported me all the way through a very stressful period of time and gone over and above the call of duty.... Bower are so lucky to have her.
Mrs Cooke
At Bower Private Clients, we have years of experience helping dental professionals achieve their property goals. We work with a network of specialist lenders who understand your profession and offer competitive, tailored mortgage products. Our team takes a personalised approach to every client, ensuring that the mortgage you secure aligns with your current circumstances and long-term financial plans.
With our expertise, you can benefit from higher borrowing limits, better rates, and a mortgage process that reflects your career stage and financial structure. Our goal is to make the mortgage experience seamless so that you can focus on what you do best, caring for patients and building your dental career.
From helping you to get on the property ladder to remortgaging your home with a mortgage for contractors, our specialist mortgage advisers are on hand to help you fulfil your property dreams.
Read more about usWhile dentists are generally viewed as low-risk borrowers, their income structures can complicate mortgage applications. Many dental professionals have irregular income from self-employment or multiple practices, which makes standard affordability assessments less straightforward. Lenders familiar with the dental profession apply more flexible criteria and are more likely to consider the full financial picture, including limited company earnings and private contracts.
This is where a specialist adviser becomes invaluable, helping you understand the requirements, gather the correct documentation, and present your case effectively to lenders who understand your professional circumstances.
Most mortgage applicants can typically borrow up to 4.5 times their income. However, dentists often qualify for higher borrowing limits due to their strong career progression and income potential. Many lenders are willing to offer up to five times income, and for senior partners, consultants, or dental practice owners, borrowing can extend to six times income, especially when supported by a sizeable deposit.
Income from self-employment, limited companies, and NHS/private contracts is all taken into consideration. With a carefully structured application, dentists can significantly increase their borrowing capacity compared to other professionals.
Although it’s more challenging, dental students and foundation dentists may still be eligible for a mortgage under certain conditions. If you have a formal job offer, a guaranteed income stream, or a guarantor, such as a parent or family member, you may be able to satisfy lender requirements even without a lengthy employment history.
Student loans do not affect your credit score directly, but repayment obligations will be assessed as part of your overall financial commitments. Lenders want to see evidence of your ability to repay the mortgage, so having established income or demonstrating future earning potential is key.
Applying for a mortgage involves several key steps. The journey typically begins with an initial consultation, during which you and your broker will discuss your career, financial status, and borrowing goals. This is followed by a comprehensive financial assessment, which includes reviewing your income, credit history, and existing debts.
You will then need to prepare documentation such as payslips, SA302 tax returns, limited company accounts, or signed employment contracts. Your broker will submit the application to lenders most likely to approve your case, leveraging their knowledge of the market to present your situation in the best possible light.
Once the lender reviews and approves your application, you will receive a formal mortgage offer. The final stages include legal processes and mortgage completion, at which point your property journey officially begins. With support from a specialist broker who understands the dental profession, the entire process becomes smoother, more efficient, and far less stressful.
With access to over 500 lenders, Bower will help you release equity and create liquidity to acquire property, whenever you want to buy
Bower Private Clients provides independent, impartial whole of market mortgage advice with an award-winning customer service experience. Initial advice is provided at no cost to you and without obligation. Only if you choose to proceed, would a typical advice and administration fee of £495 be payable.
Speak to one of our dedicated customer specialists or arrange your free, initial no-obligation quote by calling us on 0203 817 6040.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Some buy to let mortgages are not regulated by the Financial Conduct Authority.
Bower Private Clients is a trading style of Bower Retirement Limited and is Authorised and Regulated by the Financial Conduct Authority. Financial Services Register Number: 451607.
Registered in England and Wales No: 5788110. Registered office: Bower Private Clients, Ongar Business Centre, The Gables, Fyfield Road, Ongar, CM5 0GA.
0808 281 2658
customer.services@bowerhomefinance.co.uk