Helping Dentists Secure Mortgages Without The Usual Hassle
Whether you’re NHS, private, self-employed or Ltd company, we help dentists navigate complex income with specialist lenders, evening appointments and proactive support from application to completion.
Evening Appointments Available
Video Calls Nationwide
Access To 100+ Lenders
Experienced With Complex Income
You Earn A Strong Income. So Why Does Getting A Mortgage Feel So Difficult?
Many lenders simply don’t understand how dentists are paid. If your income comes from a mix of NHS work, private income, limited company profits, dividends or locum shifts, some banks see that as complicated — even when your earnings are strong and consistent.
If you own, or are buying into, a practice, business borrowing can sometimes be treated like personal debt, reducing how much you can borrow.
And if you’ve structured your income tax-efficiently, some lenders may focus heavily on your salary while overlooking the bigger financial picture.
The result?
You can end up:
- wasting time with the wrong lenders
- repeatedly explaining your income
- chasing updates
- or worrying that another credit search could damage future applications
For busy dentists, it can start to feel like a second job.
We Help Dentists Navigate The Mortgage Process More Smoothly
We work with lenders who understand NHS, private, self-employed and Ltd company dental income properly — helping many dentists avoid unnecessary delays, confusion and borrowing restrictions.
With evening appointments, video calls and proactive support throughout, we aim to make the process feel clearer, smoother and less stressful from start to finish.
A Mortgage Process That Feels Clearer, Faster And Less Stressful
Getting a mortgage shouldn’t feel harder than your actual profession. Our role is to simplify the process, reduce friction and help you move forward with confidence.
Find Out What You Could Borrow
Complete our quick enquiry form and one of our advisers will contact you to discuss your options and match you with a lender suited to your circumstances.
Book a Free Call
Fill out our quick enquiry form or give us a call to set up an initial chat. We can help you borrow more, save money and move in to the home you deserve.
By clicking ‘CALL ME BACK” you agree for us to use your personal data to contact you to discuss your mortgage requirements. For full details on how we process personal data please see our privacy policy
Fill in our Form (Takes about 60 seconds)
We'll Call You - No obligation, No Pressure
If We Can Help, We'll Outline Your Options and Agree What's Next
Why Choose Us?
We bring specialist expertise to the table, with a deep understanding of how you are paid. Our market access to over 100 lenders ensures you get a great rate which will save you time and money.
Face-to-Face Advice, Wherever You Are
At Wallace Home Finance, we believe mortgage advice should feel personal, not transactional. That’s why we offer secure video appointments, giving you the benefit of a face-to-face conversation without needing to leave your home.
You’ll speak directly with an experienced adviser, share documents securely, and work through your options together, all from the comfort of your own space.
It’s the same level of service you’d expect in person, delivered in a way that’s more convenient, more flexible, and built around you.
Save Time & Protect Your Credit Score
We’ve spent years helping people secure mortgages, so we know exactly which lenders are most likely to say “yes” to your application. By focusing on the right lenders from the start, we avoid wasting your time or harming your credit score with multiple unnecessary applications. Instead, we streamline the process to get you closer to the home you want.
Huge Choice
We’ve got access to over 12,000 different mortgage products, including ones from lenders who don’t deal direct with the public. This means that, irrespective of whether your income comes from a mix of sources, we’ll have a lender for you.
Our cutting-edge software, powered by advanced algorithms, quickly identifies the lenders and deals best suited to your unique circumstances – saving you time, stress, and unnecessary rejections, and giving you the certainty you need to move forward.
Quick Decisions, No Delays
We know how important it is to secure your mortgage quickly, especially when your dream home is on the line. That’s why we’ve developed efficient systems and processes to get you a decision in record time. Once we have the key details about your situation, we can usually secure a decision in principle from a lender within 24 hours – so you can prove to vendors and estate agents that you are good for the money.
What Our Customers Say
Find Out How Much You Can Borrow Today.
To see which mortgages you qualify for, fill in our quick online enquiry form (30 seconds).
One of our specialist advisers will give you a call, explain your options, and match you with a lender that’s right for you.
By clicking ‘Call Me Back’ you agree for us to use your personal data to contact you to discuss your mortgage requirements. For full details on how we process personal data please see our privacy policy.