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Custom Manufacturing Industry podcast is an entrepreneurship and motivational podcast on all platforms, hosted by Aaron Clippinger. Being CEO of multiple companies including the signage industry and the software industry, Aaron has over 20 years of consulting and business management. His software has grown internationally and with over a billion dollars annually going through the software. Using his Accounting degree, Aaron will be talking about his organizational ways to get things done. Hi ...
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Manage episode 516170494 series 2846596
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Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/
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Buying a home as a dentist shouldn’t feel like translating your career into a foreign language. We sit down with mortgage specialist William to turn “complex income” into a clear story underwriters understand, so you can borrow confidently without paying a premium for your structure. From UDAs and SA302s to net profit policies and partnerships, we break down exactly how to present your earnings and which details actually move the needle on affordability.
We start with sole traders and employed clinicians who add private work, showing how payslips, tax calculations, and consistent patterns across two years help secure stronger offers. Locums and contractors aren’t locked out either; some lenders will work off current contracts and recent invoices when the case is assembled cleanly. Then we tackle limited company associates, where low salary and dividends used to cap borrowing. A growing set of lenders now consider salary plus net profit, particularly when the business has minimal overheads, so your retained profits can count toward what you can reasonably draw.
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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.
Chapters
1. How To Save Money On Your Mortgage As A Dentist with William Coe [CPD Available] (00:00:00)
2. Why Dentist Mortgages Feel Hard (00:00:58)
3. Complex Income And Underwriter Clarity (00:03:28)
4. Sole Traders: Evidence And SA302s (00:04:52)
5. Contracts, Locums And Invoice-Based Lending (00:07:17)
6. UDAs And The Role Of Specialist Brokers (00:08:00)
7. Limited Companies And Retained Profits (00:09:16)
8. Partnerships, Shareholding And Affordability (00:12:00)
9. Term Length, Longevity Of Work And Risk (00:13:30)
10. Interest Rates And Net Profit Policies (00:16:20)
11. Timing Remortgages And Rate Locks (00:20:03)
12. Market Jitters, Budgets And What’s Next (00:24:24)
13. Contacts, CPD, And Final Thoughts (00:28:44)
378 episodes
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