Dentist Mortgages - Mortgages for Dentists

Dentist Mortgages – Mortgages for Dentists

Dentist Mortgages are simply mortgages for Dentists. Dentist mortgages are available to qualified, registered and practicing Dentists in England Wales and Northern Ireland. Dentists wishing to mortgage outside of the jurisdiction can be accommodated through our bespoke international mortgage solutions team. Mortgages for Dentists is a specialist area within Capital Fortune.

At Capital Fortune, we understand the Dentistry and the challenges of practice. We particularly understand the remuneration structure of Dentists both those employed and those working for themselves in private practice. Dentists requiring mortgages need to satisfy the mortgage lender that the loan is affordable, however, often Dentists may need to rely upon employed work, self employed income and sometimes locum income. As a result, gross earnings receipts, particularly when working in private practice may be significantly higher than net income.

Mortgages for Dentists – Employed Practice

Dentists are paid by their practice and can often undertake further freelance work inside the practice or for others to supplement their income. We work with lenders across a comprehensive panel of lenders and are able to speak directly to senior underwriters on your behalf to obtain an indication as to how they will treat the application. We appreciate that time is a premium to professionals and our role is to simplify the mortgage process, liaise with lenders and obtain a smooth conclusion to the mortgage transaction.

Our ability to contact senior underwriters on your behalf is also useful if you have changed address or employers during the last 6 years as whilst unusual for other professions, it is not for Dentists who may have moved practice.

Mortgages for Dentists – Private Practice

The costs associated with private practice including practice costs, travel, journal subscriptions and subsistence can reduce net earnings figures down to around 30- 40% of total receipts. As a result, standard mortgage income multipliers applied to the net income of Dentists can be unfair, as they do not reflect a Dentist’s true earnings capacity.

This coupled with the Dentist’s outstanding invoices to private patients and insurance companies may not be reflected appropriately when considering the true earnings capacity or net asset worth of a practicing Dentist. Mortgages for Dentists need to reflect the unique remuneration package generated by Dentists . Often a degree of diplomacy and negotiation is required when dealing with a Dentist’s mortgage application to a mortgage lender.

At Capital Fortune, we appreciate that ongoing trading and practice costs such medical supplies and corporation tax may not be immediate. Other costs are incurred throughout the year and as a result, Dentists through their distinct method of practicing have almost a rolling credit facility being operated which can justify a home mortgage lender to assess affordability on a gross earnings basis as opposed to a net income multiplier.

Capital Fortune deal with of significant number of Dentists in both employed and private practice. We have made mortgages for Dentists is a specialist area within the Company and as a Dentist seeking a mortgage you will receive our premier service.

We understand the pressures of the profession and understand that when arranging a mortgage deal our Dentists want to be sure in the knowledge that their mortgage will not only save them money, but also save them time and inconvenience.

All Dentists as part of or our Capital Fortune premier service can be dealt with over the telephone or visited at their place of practice or home. We will strive to take the difficulty and time element out of the mortgage application.

We will obtain all the necessary documentation from you after our first discussion and will avoid cascading you with a range of further information during the internet mortgage application. We will contact you via email, text message or mobile telephone at convenient times agreed by you.

We will obtain the most suitable and affordable mortgage product using a home mortgage lender from our online mortgage service list of providers. We can also obtain our best value mortgages specifically only offered to Dentists, which are not available on the High Street or through banks.

Once the mortgage has completed, your mortgage and mortgage protection needs will be constantly reviewed and in the event that new products become available, we will look to continually switch you to those products in order to increase the savings in a hassle free manner.

For more information on our Dentist mortgage premier service, call us today on 020 77 100 400 or Enquire Online.

How to get in touch

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Residential - Purchase - Best Buys


LenderInitial
Rate
Mortgage
Type
For/Until Subsequent
Rate
The overall
cost for
comparison is
Early Repayment
Charge
Arrangement
Fee
Loan
to
Value
Details
Skipton BS 2 Year Fixed £1995 Fee Purchase SBS0.99%FixedSep-20194.74%4.1%APRC30-Sep-2019 £199560%
Product Code: 0026TI
Product Name: 2 Year Fixed £1995 Fee Purchase
Lender Code: SBS
Lender Name: Skipton BS
Initial Pay Rate: 0.99
Mortgage Class: Fixed
Initial Rate Period: Sep-2019
Initial Rate Period Months: 26
Standard Variable Rate: 4.74
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 30-Sep-2019
Early Repayment Charge Period Sort Field: 1436
Initial Monthly Payment: 459.24
Monthly Payment After Initial Period: 673.31
Fees Total: 2061.00
True Cost: 0.00
True Cost Over Initial Period: 12000.24
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1995.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 6
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 60.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 105.00
Lender Product Reference: F3545
Detail
Skipton BS 2 Year Fixed £995 Fee Purchase SBS1.08%FixedSep-20194.74%4.2%APRC30-Sep-2019 £99560%
Product Code: 001GJL
Product Name: 2 Year Fixed £995 Fee Purchase
Lender Code: SBS
Lender Name: Skipton BS
Initial Pay Rate: 1.08
Mortgage Class: Fixed
Initial Rate Period: Sep-2019
Initial Rate Period Months: 26
Standard Variable Rate: 4.74
Apr Lenders: 4.2
Early Repayment Charge Applies Until: 30-Sep-2019
Early Repayment Charge Period Sort Field: 1436
Initial Monthly Payment: 460.41
Monthly Payment After Initial Period: 668.39
Fees Total: 1061.00
True Cost: 0.00
True Cost Over Initial Period: 12030.66
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 995.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 6
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 60.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 105.00
Lender Product Reference: F3538
Detail
Nationwide BS 2 Year Tracker £999 Fee Existing Borrowers BNW1.09%Tracker2 years 3.74%3.4%APRC £99960%
Product Code: 119
Product Name: 2 Year Tracker £999 Fee Existing Borrowers
Lender Code: BNW
Lender Name: Nationwide BS
Initial Pay Rate: 1.09
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.74
Apr Lenders: 3.4
Early Repayment Charge Period Sort Field: 0
Initial Monthly Payment: 461.03
Monthly Payment After Initial Period: 608.37
Fees Total: 1084.00
True Cost: 0.00
True Cost Over Initial Period: 11029.72
Cashback: 100.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 174.75
Lender Product Reference: 118939
Detail
Nationwide BS 2 Year Tracker £999 Fee Existing Borrowers BiR BNW1.09%Tracker2 years 3.74%3.5%APRC £99960%
Product Code: KL1
Product Name: 2 Year Tracker £999 Fee Existing Borrowers BiR
Lender Code: BNW
Lender Name: Nationwide BS
Initial Pay Rate: 1.09
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.74
Apr Lenders: 3.5
Early Repayment Charge Period Sort Field: 0
Initial Monthly Payment: 461.03
Monthly Payment After Initial Period: 608.37
Fees Total: 1084.00
True Cost: 0.00
True Cost Over Initial Period: 11029.72
Cashback: 100.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 150000.00
Legal Fee: 174.75
Lender Product Reference: 119322
Detail
Bank Of Ireland Intermediary Semi Exclusive 2 Year Fixed £995 Fee Incentives BOI1.13%FixedAug-20194.24%3.7%APRC31-Aug-2019 £99560%
Product Code: 5OL
Product Name: Intermediary Semi Exclusive 2 Year Fixed £995 Fee Incentives
Product Availability: Exclusive Intermediaries Only
Lender Code: BOI
Lender Name: Bank Of Ireland
Initial Pay Rate: 1.13
Mortgage Class: Fixed
Initial Rate Period: Aug-2019
Initial Rate Period Months: 25
Standard Variable Rate: 4.24
Apr Lenders: 3.7
Early Repayment Charge Applies Until: 31-Aug-2019
Early Repayment Charge Period Sort Field: 1435
Initial Monthly Payment: 463.15
Monthly Payment After Initial Period: 638.30
Fees Total: 1220.00
True Cost: 0.00
True Cost Over Initial Period: 11803.75
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 995.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 258.00
Lender Product Reference: ZTE
Detail
Barclays Bank 2 Year Fixed £1499 Fee Purchase BWO1.14%FixedOct-20193.74%3.4%APRC31-Oct-2019 £149960%
Product Code: 001DAX
Product Name: 2 Year Fixed £1499 Fee Purchase
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 1.14
Mortgage Class: Fixed
Initial Rate Period: Oct-2019
Initial Rate Period Months: 27
Standard Variable Rate: 3.74
Apr Lenders: 3.4
Early Repayment Charge Applies Until: 31-Oct-2019
Early Repayment Charge Period Sort Field: 1437
Initial Monthly Payment: 465.64
Monthly Payment After Initial Period: 609.44
Fees Total: 1614.00
True Cost: 0.00
True Cost Over Initial Period: 12687.28
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1499.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 2000000.00
Legal Fee: 126.00
Lender Product Reference: AP66
Detail
Platform Intermediary 2 Year Fixed £1249 Fee Product Switch CTS1.14%FixedSep-20194.49%4%APRC30-Sep-2019 £124960%
Product Code: 0023FJ
Product Name: Intermediary 2 Year Fixed £1249 Fee Product Switch
Product Availability: Intermediaries Only
Lender Code: CTS
Lender Name: Platform
Initial Pay Rate: 1.14
Mortgage Class: Fixed
Initial Rate Period: Sep-2019
Initial Rate Period Months: 26
Standard Variable Rate: 4.49
Apr Lenders: 4
Early Repayment Charge Applies Until: 30-Sep-2019
Early Repayment Charge Period Sort Field: 1436
Initial Monthly Payment: 464.68
Monthly Payment After Initial Period: 654.50
Fees Total: 1409.00
True Cost: 0.00
True Cost Over Initial Period: 12241.68
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1249.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 106.00
Deeds Release Fee: 54.00
Product Match Status: Available
MaxLoan Available: 1500000.00
Legal Fee: 0.00
Lender Product Reference: M1121
Detail
Saffron BS 3MC 2 Year Discount £999 Fee Cashback BSA1.15%Discount2 years 5.39%4.4%APRC2 years £99960%
Product Code: 001SNV
Product Name: 3MC 2 Year Discount £999 Fee Cashback
Product Availability: Intermediaries Only
Lender Code: BSA
Lender Name: Saffron BS
Initial Pay Rate: 1.15
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.39
Apr Lenders: 4.4
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1434
Initial Monthly Payment: 464.39
Monthly Payment After Initial Period: 712.46
Fees Total: 1554.00
True Cost: 0.00
True Cost Over Initial Period: 10870.36
Cashback: 800.00
Valuation Fee: 395.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 50.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 500.00
Lender Product Reference: DR0517
Detail
Saffron BS ATOM 2 Year Discount £999 Fee Cashback BSA1.15%Discount2 years 5.39%4.4%APRC2 years £99960%
Product Code: 001SNW
Product Name: ATOM 2 Year Discount £999 Fee Cashback
Product Availability: Intermediaries Only
Lender Code: BSA
Lender Name: Saffron BS
Initial Pay Rate: 1.15
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.39
Apr Lenders: 4.4
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1434
Initial Monthly Payment: 464.39
Monthly Payment After Initial Period: 712.46
Fees Total: 1554.00
True Cost: 0.00
True Cost Over Initial Period: 10870.36
Cashback: 800.00
Valuation Fee: 395.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 50.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 500.00
Lender Product Reference: DR0517
Detail
Saffron BS Brightstar 2 Year Discount £999 Fee Cashback BSA1.15%Discount2 years 5.39%4.4%APRC2 years £99960%
Product Code: 001SNX
Product Name: Brightstar 2 Year Discount £999 Fee Cashback
Product Availability: Intermediaries Only
Lender Code: BSA
Lender Name: Saffron BS
Initial Pay Rate: 1.15
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.39
Apr Lenders: 4.4
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1434
Initial Monthly Payment: 464.39
Monthly Payment After Initial Period: 712.46
Fees Total: 1554.00
True Cost: 0.00
True Cost Over Initial Period: 10870.36
Cashback: 800.00
Valuation Fee: 395.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 50.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 500.00
Lender Product Reference: DR0517
Detail

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The mortgage products displayed above are as a result of the following search: Reason for Mortgage: Purchase; Property Valuation: £200000; Mortgage Amount: £120000; Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: No Product Term Period From: 0 Months; Product Term Period To: 300 Months; . For a more accurate quotation please use our Quick Mortgage Quote facility.

Mortgage product availability is subject to status and availability.

Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions. To confirm details and availability of any product please click the “Do I Qualify” button.