Specialist Mortgages & Insurance for Doctors

Helping UK medical professionals secure mortgages, protect income, and safeguard their families—expert advice tailored to your career.

Doctors Mortgages

Mortgages for Doctors

As an independent mortgage adviser, we will source and arrange your mortgage from the WHOLE MARKET and we have an exceptional reputation for customer service. Deal with us and we’ll guide you through the house buying process from start to finish.

income protection for medics

Self Employed GPs

Do you need help with your mortgage as a new self employed GP? We can help even if you don’t have any history of self employment or accounts. Our relationships with well known high street banks will ensure your mortgage application is approved quickly and easily. Find out the best rates and deals before you commit to an application.

Locum Doctor

Relax and let us take the hassle out of your self employed mortgage application. Our specialist doctors mortgage brokers are always available out of hours for any questions you may have. Talk to us about your mortgage application and find out how we can help even if you don’t have accounts. Self employed locum mortgages are available.

 

Junior Doctor

Newly qualified doctors can get a mortgage throughout their training programme. We are able to help junior doctors on fixed term contracts who may find lenders just don’t understand complex NHS payslips, rotations and career progression. Don’t get frustrated by the maze of lenders criteria, contact us today.

Mortgages and Protection Built Around Your Medical Career

mortgage advice for doctors

Mortgages for Doctors

Get a mortgage based on your full earning potential—NHS, locum, or private.

 

income protection for doctors

Insurance for Doctors

Income protection, life insurance & mortgage cover tailored to your need.

 

FY1 doctor mortgage advice

Protection Reviews

Already have cover? We’ll check it’s still right for your situation—for free.

 

 

Whole of Market Access and Exclusive Deals for Doctors

Mortgages for doctors

Get specialist mortgage advice for doctors, we’re ready to help.

Our advisers CAN HELP YOU. Whether you’re buying or re-mortgaging to secure your repayments with a fixed rate, we can help.

Why Doctors Across the UK Trust Us

Independent, impartial mortgage and Insurance advice for medical professionals

As one of the UK’s leading medics mortgage & Insurance specialists, our advice service can assist where others can’t.

Our medical mortgage and insurance advisers have over 20 years experience arranging mortgages and looking after the protection needs of doctors. As we only advise medical professionals we have built up an enviable network of contacts at well-known banks, building societies and insurance companies.

✅ Specialist advice for NHS, locum & private doctors

✅ Whole-of-market lender and insurer access

✅ FCA-authorised and experienced advisers

✅ Understands NHS payslips, rotations & contract types

✅ Friendly, jargon-free advice with no upfront fees

mortgage for doctor

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If you would like to discuss your mortgage, call Doctors Mortgages now on 0330 111 4081

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Specialist Mortgage Advice

Self Employed GPs

From New GP Partner to Homeowner in Just 3 Weeks

Profile: Newly appointed NHS GP Partner

Challenge: Couldn’t get a mortgage approval through mainstream brokers due to lack of payslips

Result: Mortgage in principle in 2 weeks — completed purchase in 3

The Situation

When Dr S. became a GP Partner, they quickly discovered that many lenders wouldn’t consider their application without several months of income evidence — something most new partners simply don’t have. Their home purchase was in jeopardy, and time was running out.

The Solution

After finding Doctors Mortgages online, Dr S. was connected with David Marina, who immediately recognised the issue and stepped in. Drawing on his experience helping doctors with complex income, David sourced a lender that understood partnership income and offered terms that worked perfectly for the client’s new role.

Within two days, Dr S. had a mortgage in principle, and within three weeks, the mortgage was finalised, allowing the family to exchange contracts and secure their new home.

David was unbelievably helpful, proactive and efficient right from the get-go. Excellent communication and customer service throughout. I cannot recommend him highly enough, especially for doctors struggling to get a mortgage through other channels.

— Dr S., NHS GP Partner

Key Takeaways:

✅ Mortgage in principle in 2 days

✅ Fully approved and exchanged in 3 weeks

✅ Smooth process tailored for doctors’ complex income

Why it matters:

Mainstream lenders often struggle with the unique pay structures of GP partners. With expert guidance, newly appointed partners can access competitive rates without unnecessary delays or stress.

Locum Doctor

How a Locum Doctor Secured Their Dream Home in Just 10 Days

Profile: Locum Doctor

Challenge: Initial mortgage offer fell short after a month of delays with another broker

Result: Full mortgage approval in 10 days — purchase saved

The Situation

In October, Dr L. applied for a mortgage through another broker. After more than a month of waiting, the offer finally arrived — but it was far below what was needed. With the seller losing patience and threatening to relist the property, the situation became incredibly stressful and time-sensitive.

The Solution

A colleague recommended David Marina at Doctors Mortgages, and from the first conversation, the experience turned around. David immediately understood the complexities of locum income and reassured Dr L. that he could secure the right mortgage quickly.

He not only found a suitable lender who recognised variable and flexible NHS income, but also personally contacted the seller’s estate agent to explain the circumstances and buy valuable time.

Within 10 days, David delivered exactly as promised — a full mortgage approval that saved the purchase.

David was incredibly knowledgeable, efficient, and accessible. He had a deep understanding of complex income situations and assured us he could secure a deal within 10 days — and he did! We’ll definitely be returning to David and highly recommend him to anyone seeking expert mortgage advice.

Dr L., Locum Doctor

Key Takeaways:

✅ Previous broker’s offer fell short after 5 weeks

✅ David secured a new mortgage offer within 10 days

✅ Sale saved through proactive communication with estate agent

Why it matters:

Locum doctors often face unique challenges proving income to lenders unfamiliar with their work patterns. With the right specialist advice, these barriers disappear — allowing doctors to secure competitive mortgages quickly and confidently.

Junior Doctor

How Junior Doctors Secured a Smooth Mortgage Move During Major Career Transitions

Profile: Husband & Wife Resident Doctors (transitioning from ST2 to ST3)

Challenge: Starting new jobs, new hospitals, changing pay grades, and porting an existing mortgage

Result: Stress-free mortgage solution arranged within a day

The Situation

When Drs A. and B. were both preparing to start new hospital posts — moving from ST2 to ST3 and adjusting to new pay scales — they also needed to port their existing mortgage to a new property.

They first contacted several large, well-known “medical” mortgage firms — but each had week-long waiting lists for initial consultations, delaying their plans and adding unnecessary stress.

The Solution

Frustrated by the delays, they turned to David Marina at Doctors Mortgages. Within one hour of getting in touch, David had responded personally, and by the end of the day, he had a full mortgage plan in place.

Throughout the process, David kept the couple updated and even adjusted the application as mortgage rates improved — ensuring they secured the best available deal before completion.

His approachable, knowledgeable support turned what could have been a complicated, high-pressure situation into a smooth and reassuring experience.

David took all of the stress out of arranging a mortgage. He was knowledgeable, friendly, and very easy to get hold of. We 100% recommend his services and will continue to use him in the future.

Drs A. & B., Junior Doctors

Key Takeaways:

✅ Response within 1 hour — full mortgage plan by the end of the day

✅ Seamless handling of job changes, new pay grades, and mortgage porting

✅ Application optimised as rates improved

Why it matters:

Junior doctors often juggle new roles, training rotations, and relocations — all while trying to move home or remortgage. With fast, specialist support from a broker who understands NHS pay structures, the process can be smooth, efficient, and stress-free.

Words From Happy Doctors

Read some of our recent client experiences

Excellent Mortgage Service

I would highly recommend David Marina and Doctors Mortgages and am very grateful to the excellent service they have provided. David was instrumental in finding us a mortgage and worked extremely hard to overcome numerous hurdles and glitches along the way. Thank you so much for all your hard work David, we look forward to

Helen Brereton

Exceptional service, very efficient, approachable and knowledgeable

David took all of the stress out of arranging a mortgage. My wife and I were both at the point of starting new jobs (ST2 to ST3), new hospitals, different pay grades and also wanted to port an existing mortgage. We had initially approached some larger well mortgage broker/finance companies (the ones typically advertised in

Robin

They managed to track down much better mortgage offers for me

From my first contact with the staff of Doctors Mortgages, I found them to be personable, willing to go out of their way to help, and very knowledgeable. They managed to track down much better mortgage offers for me than any I found after hours of searching online and from other mortgage brokers, including London

Dr R Veale

Personalised service and accessibility was above and beyond

It’s not often I get animated about financial advice but I can honestly say that the service I have received from Doctors Mortgages has been outstanding. I imagine that our house purchase was on the more complicated end of the spectrum (at times looking impossible – agricultural restrictions, brine reports, inept solicitors, attempted gazumping, complicated

Dr T Webster

David provided prompt and excellent…

David provided prompt and excellent advice regarding a slightly complex working arrangement which had recently changed. He was able to secure a good rate for house and buy-to-let.

Naveen Sharma

Wholeheartedly recommend

David Marina specialises in doctor mortgages, and our experience with him was nothing short of exceptional. From the start, he took the time to understand the unique financial situation as a new doctor embarking in a medical career in the NHS and worked diligently to secure a mortgage amount that aligned with our goals. The

alfa1971

Excellent financial advisor

Dave provided excellent advice and helped me secure the best interest rate in the market at a very unpredictable time.

Ollie Baker

We are truly grateful for everything that you have done

Buying your first home during your final year at medical school, whilst sitting finals and going away on elective, was never going to be a stress free process! However, with David at the helm the transition from student living to moving onto the housing ladder was much smoother. David provides an exceptional service; he is

Dr S Serna and Mr P Hayes

We initially applied for a mortgage…

We initially applied for a mortgage through another broker on October 24th, but by the end of November, we received an offer that fell far short of what we needed. It was an extremely difficult and disheartening experience, especially as our seller grew increasingly frustrated with the delay and threatened to put the house back

Asif Iqbal

How we work with you

1

Free Discovery Call

We get to know your goals, earnings & situation

2

Tailored Recommendations

We search the whole market to find the best mortgage fit

3

We Handle the Paperwork

You relax, let us manage the application process.

 

4

Ongoing Support

We’re here if your needs change over time.

 

Frequently Asked Mortgage & Insurance Questions

Find quick answers to common questions using our helpful FAQs.

Can doctors get better mortgage rates than the general public?

Yes, some lenders offer exclusive mortgage rates and terms for doctors due to their strong earning potential and job security—even if you’re newly qualified or on a fixed-term contract.

How much can I borrow as a doctor?

Doctors can typically borrow up to 5–6 times their income, depending on your lender and stage in your career. We help calculate your borrowing potential accurately based on your full earnings package.

Can I get a mortgage during my foundation or junior doctor years?

Yes, absolutely. Many lenders accept applications from foundation and junior doctors, even if you’re on a fixed-term or rotational contract.

What if I work as a locum—can I still get a mortgage?

Yes. Locum doctors often face challenges due to irregular income, but specialist lenders and brokers like us can present your case clearly to underwriters to maximise your chances.

How quickly can I get a mortgage offer through Doctors Mortgages?

Once we’ve reviewed your documents, many clients receive mortgage agreements in principle within 24–48 hours—and formal offers soon after, depending on lender turnaround.

What types of insurance should doctors consider when buying a home?

Key policies include income protection, life insurance, and critical illness cover. These help protect your home and family if you’re unable to work due to illness or injury.

Is income protection different for doctors?

Yes—doctors can access specialist income protection policies tailored to NHS sick pay schemes, often with shorter deferral periods and higher payouts.

Do I need life insurance to get a mortgage?

Life insurance isn’t mandatory, but it’s strongly recommended—especially if you have a family or dependents. Some lenders may require it depending on the mortgage type.

Can I get cover if I have an existing medical condition?

In many cases, yes. We work with specialist insurers who understand medical risk profiles and can still offer competitive, tailored protection.

There are however a small number of lenders who recognise the needs of professional mortgage applicants such as doctors. These lenders offer enhanced product ranges with sympathetic underwriting suited to the different types of employment a doctor may pursue.

We believe doctors should always look to get the best mortgage deal and most medics will have no difficulty applying, but sometimes there is a compromise to be made between mortgage approval and getting the best mortgage deal on the market. For example junior doctors pay and short term contracts are widely misunderstood by the majority of mortgage lenders. Doctors should be prepared for a narrow range of options if they look to take out a mortgage early on in their career. As specialist mortgage brokers working solely on behalf of UK doctors our job is to help manage the expectations of our clients looking for a mortgage.

Why should I arrange my protection through a mortgage specialist for doctors?

We understand how your NHS benefits work, what gaps exist, and which providers offer the best value for medical professionals—ensuring your policy fits your actual needs.

This process can take well in excess of an hour to complete for each lender approached. Your time is better spent with a specialist broker who gives mortgage advice for doctors and understands lenders criteria and deals on offer from across the market.

Mortgage approval as a doctor can be more difficult than it used to be. It’s more important than ever that doctors consider using the services of a professional mortgage broker. Their specialist knowledge to will match doctors mortgage requirements to a lender and make the whole process a lot easier.

Let’s Make Your Finances as Healthy as Your Patients

Whether you’re buying your first home or protecting your income, we’re here to help—with specialist advice for doctors only.