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Show Notes

UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

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Ready to turn confusing mortgage rules into clear action steps? We sit down with specialist broker Sarah Gris to unpack how dentists can borrow more at better rates by aligning income evidence, deposits, and monthly commitments with what lenders actually reward.

We start with the real levers behind the famous “multiplier.” Five times income is common, six times is realistic with the right profile, and seven times appears in niche cases at a price. Sarah explains how associates and principals should present figures: salary plus dividends or profit after corporation tax for limited companies, and net profit for sole traders. We dig into why lenders often average two years, how to time applications to showcase a strong latest year, and when projection-based pay schedules can help growing clinicians.

Then we get tactical about affordability killers. A 0 percent credit card still counts, with lenders modelling around three percent of the balance as a monthly outgoing. That £10,000 you plan to clear “later” can shave roughly £80,000 off potential borrowing today. We highlight the heavy hitters—car finance, school fees, nursery costs—and translate them into mortgage impact, including how a £2,200 car payment can crowd out around a £400,000 mortgage. The message is simple: lenders view you like a business, so strip out avoidable commitments before you apply.

You’ll also learn how banks estimate day-to-day spend using ONS benchmarks, why flats bring service charges and ground rent into the equation, and which bank statement entries trigger underwriter questions. Sarah shares pragmatic fixes: clear or restructure revolving debt, build a stronger deposit for better rates, tidy statement references, and coordinate application timing with your best filed accounts. For dentists who like to stretch, this is the map for stretching smart.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

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