Can I Get a Mortgage with Less Than 2 Years of Accounts?

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.

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December Prize Draw Winner Announcement

By Jordan Nasser • December 16, 2025

🎉December Prize Draw Winner Announcement🎉 We’re delighted to announce the winner of our Google Review prize draw - congratulations to Dr Adam Richardson, who has won a brand-new pair of AirPods! 🎧 Thank you to everyone who took part and helped make our December draw such a success. We really appreciate the time you take to share your feedback and support us. Missed giving us a review? Don’t panic! If you didn’t get a chance to enter last time, there’s still plenty to play for. We’re running another competition, with the chance to win a pair of AirPods Pro 3. 📅 The next winner will be drawn on 30th April, so there’s still time to get involved. 👉 Click here to leave your review and enter the draw Good luck - and once again, congratulations to Dr Adam Richardson! 🙌

The Budget and Your Properties/Mortgage

By Jordan Nasser • December 14, 2025

Podcast with Dentists Who Invest – Featuring Sarah Grace | CPD Available In this episode, we discuss how the UK Government’s latest budget changes affect property owners and mortgage holders - especially dentists and small landlords. We explore how shifts in tax bands, interest tax credits, and mortgage pricing are influencing property investment strategies, rental returns, and borrowing decisions. We also share practical tips on approaching fixed-rate mortgage deals and preparing the right documentation, whether you’re remortgaging, buying a home, or considering buy-to-let. 📌 Key takeaways: 📉 Interest rates: Fixed rates (2 and 5-year deals) are easing as markets digest the budget, but uncertainty remains. 💸 Tax impact: Changes in tax bands and interest tax credits can pull more rental income into higher rates. 🔑 Strategy tip: If your current mortgage fix is ending soon, consider securing a product now to cap risk and switch later if prices fall. 🧠 Practical guidance: Covers what documents to gather and how to choose between mortgage terms. 📍 For higher-value homes: Be aware of proposed mansion tax bands and valuation timing ahead of 2028. ➡️ Great listen if you’re navigating property finance in the current UK market! 🎧 Listen now : The Budget And Your Properties/Mortgage 📝 CPD Certificate Available : This episode is eligible for verified CPD, making it a valuable use of your time both personally and professionally.