Specialist Mortgages for Dentists, GPs & Pharmacists
Healthcare professionals have unique income structures — NHS pay, private practice income, partnership drawings, and locum work. We work with lenders who understand your profession and can offer enhanced borrowing to match your earning potential.
Get Professional Mortgage AdviceWhy Healthcare Professionals Need Specialist Advice
Dentists, GPs and pharmacists often have income structures that standard lenders struggle to assess fairly. Mixed NHS and private income, partnership profits, locum earnings, and student loan commitments all create complexity. Specialist lenders who understand the professions can offer significantly better outcomes.
Benefits Available to Qualified Professionals
- Income multiples of up to 5–5.5x annual income with selected lenders
- Assessment of NHS and private practice income combined
- Newly qualified professionals considered — including those still completing training
- Student debt treated more leniently than standard assessments
- Self-employed practice owners and partners accommodated
We Advise Specifically
Dentists: Mixed NHS/private income, practice ownership, associate pay structures and partnership arrangements.
GPs: Salaried, GP partner, and locum income — including newly qualified GPs and those completing GP training schemes.
Pharmacists: Employed, locum and pharmacy owner mortgages, including limited company pharmacy ownership structures.