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Insights

Specialist financial insights for medical careers

Plain-English guides on NHS pensions, mortgages, income protection and tax planning for doctors, dentists and medical professionals. General information, not personal advice.

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Financial Planning for Dentists: Associate vs Practice-Owner

Dentists' financial priorities differ by status. Here's what associates and practice owners should focus on, plus how the NHS pension applies to dentistry.

Professional Medical Financial

6 min read

How Much Can a Doctor Borrow for a Mortgage?

Most doctors can borrow around 4.5–5 times income, but specialist lenders often go further for medical professionals. Here's what sets your real limit and how to increase it.

Professional Medical Financial

6 min read

How the NHS Pension Is Calculated: 1995, 2008 and 2015 Schemes Explained

The NHS pension is built from up to three schemes — 1995, 2008 and 2015. Here's how each one calculates your pension, why most doctors are now in the 2015 CARE scheme, and how to estimate yours.

Professional Medical Financial

7 min read

Income Protection for Doctors: Sizing Cover Around NHS Sick Pay

How doctors should size income protection: the NHS sick-pay step-down, why 'own occupation' cover is essential, and how to set the benefit and deferred period.

Professional Medical Financial

6 min read

Mortgages for Locum Doctors: What Lenders Actually Want in 2026

Locum income confuses high-street lenders, but specialists treat it sympathetically. Here's how locum income is assessed, what paperwork you need, and the 2026 changes to watch.

Professional Medical Financial

6 min read

NHS Pension Annual Allowance: A Doctor's Guide for 2026/27

How the annual allowance works for the NHS scheme in 2026/27 — the £60,000 limit, the taper for high earners, and what to do if you face a tax charge.

Professional Medical Financial

7 min read

Tax Planning for High-Earning Doctors and Dentists: The Traps to Avoid

Beyond the pension annual allowance, high-earning medics hit other tax traps. Here's the £100k personal-allowance trap, private-income structuring, and using allowances.

Professional Medical Financial

6 min read

The 60% Tax Trap for Doctors Explained (2026/27)

Between £100,000 and £125,140 of income, doctors lose their personal allowance and face an effective ~60% tax rate. Here's why it happens and how pension contributions can help reclaim it.

Professional Medical Financial

6 min read

The Doctor Mortgage Calculator: How Much Can You Really Borrow?

Our Doctor Mortgage Calculator estimates borrowing power, monthly payments and lender affordability around how NHS and medical income actually works. Here is how to use it and how to read your results.

Professional Medical Financial

8 min read

The McCloud Remedy Explained: What NHS Doctors Need to Know in 2026

The McCloud remedy gives many NHS doctors a choice over their 2015–2022 pension benefits. Here's who's affected, the choice you'll get, and what to do now in 2026.

Professional Medical Financial

6 min read

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