Leading Independent Mortgage Advisers for Dentists, Company Directors, and Portfolio Landlords

We help clients achieve home ownership, invest in property, or expand buy to let portfolios.

With 30 years of experience, our team of mortgage experts delivers a personalised service tailored to dentists, self-employed professionals, executives, and landlords.

News & Reviews

By Jordan Nasser July 24, 2025
Podcast with Dentists Who Invest – Featuring Sarah Grace | CPD Available If you're a self-employed dentist or business owner wondering whether it's possible to get a mortgage with fewer than two years of accounts, you're not alone – and the good news is, you're not without options. Sarah recently joined James Martin on the Dentists Who Invest podcast to explore this very topic. In our discussion, we unpacked the common concerns self-employed professionals face when applying for a mortgage, including: ✅ Whether lenders will consider applicants with only one year of accounts ✅ What documentation you really need ✅ The importance of specialist mortgage advice for self-employed dentists ✅ How timing, planning, and presentation can impact your application If you're early in your self-employment journey or planning to make the switch soon, this episode is packed with practical advice designed to help you get mortgage-ready – without having to wait years to prove your income. 🎧 Listen now : Can I Get a Mortgage with Less Than 2 Years of Accounts? – Podcast Episode 📝 CPD Certificate Available : This episode is eligible for verified CPD, making it a valuable use of your time both personally and professionally.
By Jordan Nasser July 9, 2025
In today’s digital world, it’s never been easier to access financial advice. TikTok, Instagram, and YouTube are overflowing with voices promising the latest ‘mortgage hack’. However, as medics, navigating the complexities of income structure, self-employment, and professional obligations, the advice you consume can have serious consequences—especially when it comes from unqualified or unregulated sources. Have you heard of the term “Finfluencers”?! These are social media influencers who share financial tips and insights, often without any formal qualifications or regulatory oversight. Many are charismatic, persuasive, and highly active online. Some even partner with brands or use affiliate links to promote financial products for commission. While some content may be genuinely well-intentioned, the problem is simple: financial guidance is not one-size-fits-all, and the wrong advice can do more harm than good, especially in complex areas like mortgage lending. Why Medics Are Especially at Risk Medics often face a unique set of financial circumstances, such as: Variable income from multiple sources (NHS, private, practice ownership) Complex tax structures (self-employed vs limited company) Eligibility challenges for certain mortgage products Finfluencers rarely understand or even acknowledge these nuances. Their advice is usually generalised and aimed at mass appeal ‘ WHY YOU NEED 3 YEARS TAX RETURNS TO GET A MORTGAGE ’ (sidenote – you do not ), which can mislead professionals like yourself into believing certain strategies are viable when they are not. The Dangers of Unregulated Advice Here’s what makes relying on social media advice risky:  No accountability: Most finfluencers are not regulated by the Financial Conduct Authority (FCA), meaning they don’t have a legal duty to ensure their advice is accurate, ethical, or in your best interest. No protection: If something goes wrong, you won’t have access to recourse via the Financial Ombudsman Service or Financial Services Compensation Scheme. Product bias: Many influencers are paid to promote certain financial product, whether or not they’re suitable for your situation. Taking action based on a 30-second TikTok could lead to expensive mistakes, mortgage rejections, or missed opportunities for tax efficiency and long-term financial stability. The Value of Professional Advice As regulated mortgage advisers who specialises in working with medics, we are bound by strict professional standards. This includes: FCA compliance to ensure your best interests are always prioritised Tailored solutions based on a deep understanding of your career path, income structure, and long-term goals Access to lenders who understand your profession and offer more flexible underwriting Ongoing support, not just a one-time post or reel – we always say to anyone that we work with that we want to look after you for your ‘mortgage life’ and not just on a one transaction basis How to Tell the Difference Here are some simple ways to distinguish between a finfluencer and a regulated adviser:
June 3, 2025
June 2025 Mortgage Market Update - What do the inflation rises mean for interest rates?
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What our customers say

Great as always. Having used Sarah’s services on a few occasions now, I have had great support and brilliant communication in order to get the best end result. I have recommended her to several friends, family and business associates. I look forward to working closely with Sarah and her team in the future.

Dr G Singh – Associate Dentist

Just to say a huge Thank you to both Sarah and Jordan for a superb service throughout a tortuous process. Your kindness and good humour helped to keep us sane and we appreciated that you continued to take an interest in us right until the day we completed. I couldn’t recommend you highly enough!!

Ms A Alison

A very much more relaxing and less time consuming experience than trying to deal with any of the banks I had tried. I would recommend at least speaking with Sarah Grace Mortgages if you need a mortgage. It is very likely they can help you.

Mr C Millard

My slightly unusual circumstances didn’t lend themselves to the factory approach that I encountered when I talked directly to various mortgage providers. I would not hesitate to recommend Sarah Grace to anyone looking for a mortgage.

Andy Follows – Managing Director of Aquilae

The service I received from Sarah and Jordan has been fantastic. I was kept fully informed throughout the whole application process. Sarah and her team took care of everything and liaised with all relevant parties on my behalf making the whole process hassle free. I would highly recommend them to all family and friends.

Dr S Al-Ali – Associate Dentist