Dear Delia

My client is a consultant at an NHS hospital but recently started his own private practice in orthopaedics. He wants to buy a property for £800,000 and will have £250,000 equity from the sale of his current home. His local bank has declined the application because he\'s only been in private practice for nine months. His NHS income is £80,000 a year and the private practice\'s projected earnings in its first year are £100,000. What are his options?

Delia says: This situation is not uncommon as Sally Laker of Mortgage Intelligence and Maria Harris of Bank of Scotland Mortgages point out. Have you got a problem for Delia? Email