Mortgages for doctors and dentists
Mortgages for doctors and dentists
Doctors and dentists often have strong earning potential but moving posts, training contracts and locum work can complicate a mortgage. Tony helps doctors and dentists compare options from over 100 lenders, including lenders that offer professional mortgage terms.
Talk to TonyAt a glance
- Advice for doctors, dentists and trainees
- Access to 100+ lenders and around 28,000 deals
- Rated 5.0 from 235+ Google reviews
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
How Tony can help doctors and dentists
Your career path can be unusual. Tony helps you find a lender that understands it.
What lenders may look at
- Some lenders offer professional mortgage terms for doctors and dentists. These change often, so Tony checks them for you.
- Training contracts and rotations may be treated differently by different lenders.
- Partners and principal dentists may be assessed on accounts or tax calculations.
- Locum work may be assessed like contractor income.
Meet your adviser
Hi, I'm Tony Flynn
I'm a mortgage and protection adviser based in Carluke, helping people across Lanarkshire and Scotland.
I've spent 15+ years in finance and have been named Mortgage Professional of the Year at the Prestige Awards Scotland five years in a row. I'll explain your options in plain English so you know exactly where you stand.
Doctor and dentist mortgage questions
Do doctors and dentists get special mortgages?
Some lenders offer enhanced terms for certain professions, which can include higher income multiples or flexibility for training contracts. Tony can check what is currently available.
Can trainee doctors get a mortgage?
Often yes. Some lenders consider training contracts and rotations, and Tony can search for those that do.
What if I am a locum or associate dentist?
Lenders may ask for accounts or tax calculations. Tony can explain what to prepare.
Do you charge a fee for mortgage advice?
There may be a fee for mortgage advice. The amount depends on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed. We will explain this before you commit.
Can you help with protection as well as a mortgage?
Yes. Tony can also advise on life insurance, critical illness cover and income protection alongside your mortgage.
Related pages
More advice for people in similar situations.
Ready to talk it through?
A quick chat with Tony is a good first step. No jargon, no pressure.
Talk to Tony