Mortgages For Dental Specialists

Welcome to Fox Davidson, your trusted partner in navigating the intricacies of mortgage financing tailored specifically for dental professionals. Fox Davidson specialises in mortgages for professionals including m mortgages for dentists. In this comprehensive article, we’ll explore the unique advantages dentists enjoy in the mortgage landscape and how Fox Davidson’s expertise ensures unparalleled support in securing mortgages for dentists. We will look at the benefits dentists can receive from mortgage lenders including increased income multiples, flexible underwriting and in some cases preferential mortgage interest rates. 

Understanding the Distinctive Position of Dentists:

Dentists hold a distinguished position among professionals, and their unique financial standing warrants a specialised approach when it comes to mortgage financing. At Fox Davidson, we recognise the significance of the dental profession and leverage our expertise to provide dentists with tailored mortgage solutions that align with their distinct financial circumstances.

Advantages of Being a Dentist when securing a mortgage.

  • Professional Treatment by Lenders:

Mortgage lenders recognise dentists as professionals with stable and secure career paths. This professional treatment often translates into more lenient underwriting, as lenders view dentists as low-risk borrowers.

  • Increased Income Multiples:

One of the notable advantages for dentists seeking mortgages is the potential for increased income multiples. Lenders may offer up to 6 times the annual income of a dentist, providing greater borrowing capacity versus the standard mortgage market.

  • Preferential Interest Rates:

Due to the strength of the dental profession, some lenders may extend preferential interest rates to dentists. This can result in more favourable terms, allowing dentists to access mortgage products with competitive rates, reserved for professionals. 

How Fox Davidson Specialises in Securing Mortgages for Dentists:

  • In-Depth Understanding of the Dental Profession:

At Fox Davidson, we take pride in our in-depth understanding of the dental profession. Our team is well-versed in the unique financial dynamics that dentists face, including irregular income structures, self-employment, and the potential for future income growth.

  • Tailored Financial Analysis:

When working with dentists, we conduct a tailored financial analysis that goes beyond traditional metrics. We consider the specific challenges and opportunities associated with the dental profession, allowing us to present a comprehensive financial picture to potential lenders.


  • Relationships with Specialized Lenders:

Fox Davidson has cultivated strong relationships with lenders who specialise in serving professionals, including dentists. These lenders appreciate the nuances of the dental profession and are more inclined to offer bespoke mortgage solutions that cater to the unique needs of dentists.


  • Negotiating Favourable Terms:

Our FCA regulated brokers engage with lenders on behalf of our dentist clients to secure favourable terms. Whether it’s maximising income multiples, obtaining preferential rates, or structuring flexible repayment options, we advocate for terms that align with the financial goals of our dentist clients.

  • Streamlined Application Process:

Fox Davidson understands the value of time for busy professionals. Our streamlined application process is designed to minimise the administrative burden on dentists, allowing them to focus on their careers while we handle the complexities of mortgage financing.


Complex Income.

Fox Davidson are well versed in dealing with complex income. We can secure mortgages for Dentists who are on short terms contracts, who have just switched from employed to self-employed including Ltd company directors and fund commercial mortgages for dentists buying or refinancing their own dental practice.  

Commercia Mortgages for Dentists.

Commercial mortgage lenders also recognise Dentists as professionals and can offer flexible lending criteria. 

Fox Davidson work with lenders across the market and can offer Dentists up to 100% loan to value against the dental practice and up to 80% loan to value against the goodwill valuation of the business. 

Commercial mortgage lenders can be very flexible in their lending for Dental practices, we have secured commercial mortgages for clients using one years accounts, working from management accounts and also funded business acquisitions using projected earnings from a comprehensive business plan. 

Success Stories:

Fox Davidson has successfully assisted numerous dentists in achieving their homeownership goals. Our ability to navigate the mortgage landscape with precision and secure tailored solutions has resulted in positive outcomes for dental professionals across the UK.

Client Testimonials:

Mr F Birloco

“Fox Davidson were excellent throughout. Having recently switched from employed to owning my own practice, they understood the challenges unique to my profession and secured the funding we required where other brokers had been unable to.”

Mrs S Bruce

“As a dentist, finding a mortgage broker who truly understood our financial situation was crucial. The whole team at Fox Davidson were a joy to work with. Their dedication and expertise made the entire process smooth and rewarding.”

Working with Fox Davidson.

Fox Davidson takes immense pride in being the premier choice for dentists seeking mortgage financing in the UK. Our commitment to understanding the unique needs of dental professionals, coupled with our strong relationships with specialised lenders, ensures that dentists receive the personalised and expert support they deserve on their journey to homeownership. If you are a dentist exploring mortgage options, please do get in touch. We secure residential mortgages, buy to let mortgages, and mortgages for business premises including dental practices. 

To discuss mortgages for dentists and how Fox Davidson can help you secure the funding you require please do get in touch.

Using a mortgage broker

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Fox Davidson specialises in securing mortgages for dentists.

We have access to lenders that can be flexible with their lending criteria.

When securing mortgages for dentists, we use our knowledge and contacts to ensure we secure the best possible terms for your specific situation.

We work on your behalf, so you don’t have to take time out of your busy workload to negotiate with mortgage lenders.

Fox Davidson can secure mortgages for dentists wishing to finance residential, buy to let, and commercial property in the UK.


Next steps

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  • Call or email one of our professional mortgage brokers. They will complete a short fact-find with you and discuss your requirements.
  • We search the market of thousands of mortgage products and discuss your lending proposal with the chosen lender to ensure it meets criteria and is placed with the right lender, the first time.
  • Your broker will then present the best possible mortgage terms to you.
  • On acceptance of the proposed terms, we will complete all paperwork and handle the entire process from application through to completion on your behalf.

Our direct access to professional mortgage underwriters allows us to build up a case for lending on your behalf.

With our support and correct presentation of the lending proposal, we have secured mortgage terms that don’t meet the lender’s standards criteria.


A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.