Specialist Mortgage Advice for Doctors

WE CAN HELP YOU with your mortgage. Quick and easy process. We take care of the paperwork. Working exclusively with medical professionals for over 15 years

doctors mortgages online mortgage broker uk wide

Mortgage Broker for Doctors Medical professionals may often have more than one source of income. As a locum doctor or GP with a recent change in employment you may find mortgage lenders difficult to deal with but don't worry we can help!

Mortgage for a new GP Partner

New GP Partner without financial accounts? Our mortgage advisers have a wealth of experience successfully arranging mortgages for Doctors in the medical profession for over 15 years.

We specialise in mortgages for general practitioners and can help with new GP Partners looking for a mortgage and newly qualified or salaried GP’s. If you have joined a practice as a new GP Partner but don’t have a track record of self employment we can help.

We may be able to secure a mortgage offer even if you have no accounts and have been salaried in the past.

Junior Doctor Mortgage

Getting a mortgage as a foundation doctor or specialty registrar is not always as straightforward as you may think.

Many Junior doctors find they do not fit lender’s criteria if they want to use on-call allowance, weekend allowance or banding supplement.

Our specialist advisers will source the best doctors mortgage deals for you and ensure you are not penalised. Our knowledge of lenders criteria and close relationships with underwriters will give junior doctors mortgage applications the best chance of success.

Locum Doctor Mortgage

Locums can often have multiple source of income from a hospital trust, a medical staff agency or a GP Partnership to name but a few. Earning additional income with locum work is very common nowadays, particularly amongst junior or trainee doctors. The flexibility and ability to choose when to work extra shifts is very appealing as you look to save up a deposit as a first time buyer

As a locum doctor or sessional GP with payslips but no contract or if you are self-employed you may not fit lender income criteria. We have experience of the best lenders and will present application so that you have the best chance of securing the mortgage you want.

Get specialist mortgage advice for doctors, we're ready to help. We will source and arrange your next 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.

questions and answers listed for doctors looking to apply for a mortgage in the uk and online
Get mortgage advice for Doctors Working with doctors for over 15 years

Are you looking for mortgage advice for doctors? We can help find the best home loan for movers, re-mortgage, first time buyers or second home purchase. Compare the market before you commit to your next mortgage.

doctor applying dor a mortgage online on a tablet at home
Your mortgage is our priority Our bespoke doctors mortgage service

Relax and let us take the hassle out of your mortgage application. Always available out of hours for any questions you may have. Our business is all about our clients and what we can do to help them.

a consideration for doctors taking out a mortgage is adequate life insurance.
Giving doctors financial security Securing your future

We don’t just arrange great mortgages for doctors. Our service includes advice for all the insurance cover you need for your mortgage. Helping enhance doctors sick pay benefits is a keystone of our business.

Who are Doctors Mortgages?

Doctors Mortgages are one of the UK’s leading specialist Mortgage and Insurance Brokers. Our mortgage advice for doctors service can assist where others can’t.

We have a clear aim – to provide straight forward mortgage advice relating to your unique personal circumstances. Our knowledge and experience will ensure doctors get the best deal on their mortgage and insurance.

Our medical mortgage advisers have almost 20 years experience arranging mortgages for doctors and helping the achieve their property goals. As we only advise medical professionals we have built up an enviable network of contacts at well known banks and building societies. We are ready to offer a solution in most lending situations.

We have knowledge of NHS contracts and doctors pay scales, General Practice earnings and career paths of junior doctors during and post foundation programme. If you are a hospital doctor at any level or a salaried GP or GP partner talk to us about your mortgage. We can help if you have additional allowances, locum income or banding on top of your basic salary.

How we are helping doctors this month

Testimonials Read some of our client experiences

Thorough, professional and clearly proactive

We contacted Doctors Mortgages to arrange a remortgage with additional funds for home improvements after our fixed deal had ended and our own bank proved slow and unhelpful in meeting our needs. David’s approach was thorough, professional and clearly proactive with the result that we not only ended up with a better deal than the

Name & address supplied
Hospital doctor, Gloucestershire

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
Junior Doctor, Oakham

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
GP, Torquay

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
Consultant, Cheshire

Communication was excellent

Doctors Mortgages were extremely helpful in facilitating the purchase of our first property. Communication was excellent and without them we would have not been able to proceed so swiftly when time was running out! Highly recommended. Thank you very much

D Hudson
Junior Doctor

Your professionalism and heart-felt care was truly appreciated

I would like to thank you so much for all your brilliant support and guidance when I was making my recent mortgage application. Your professionalism and heart-felt care was truly appreciated. In spite of what seemed like a complicated and convoluted application process, you were able to make everything so clear and easy and your

Dr L Izzat
Consultant, South Wales

Very personalized service and always at hand to answer questions

As a first time buyer I was anxious about making the move from renting to getting onto the housing ladder. I was lucky to have found Doctors Mortgages who made this transition much easier and stress free. David Marina provided a very personalized service and was always at hand to answer any questions and promptly

Dr M Ali
GP, Leicester

Made moving home so much simpler

As a first time buyer the mortgage market was a mystery to me and without the help and guidance of David I wouldn’t have known where to start. Having someone else manage the whole mortgage process from start to finish made moving home so much simpler. I was frequently updated on the progress of my

Dr G Brown
Speciality Registrar, Deeside

Complete this short form to get a FREE mortgage quote from an in-house adviser

If you are a doctor and would like to discuss your mortgage with us directly, call us now on 0800 0029971

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Tell us about your mortgage:
Your home may be repossessed if you do not keep up repayments on your mortgage
Doctors mortgage lenders, professional mortgages

Did you know? We are not tied to a specific lender or panel and are allowed to source mortgages from across the whole market.

Frequently Asked Mortgage Questions If you would like to discuss your mortgage for doctors with us directly, give us a call for free on 0800 0029971

Do doctors get better mortgage rates?

Do doctors get better mortgage deals from lenders? Well interestingly, yes but they are few and far between. The majority of mortgage lenders don’t use the applicants profession when assessing a mortgage application. This means that the deals on offer are the same for all applicants.

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.

What is a Doctors Mortgage Broker?

There are always options available for a doctor buying a property or re-mortgaging their existing home. A professional mortgage adviser will ensure doctors are always getting the best deal whatever their circumstances.

Medics mortgage brokers have an in depth knowledge of a variety of mortgage lenders criteria. They will save time and effort for any doctor looking for a mortgage. With one point of contact doctors will have access to the main mortgage deals and some exclusive products and rates that wont be available by going direct to the lender.

How do lenders assess medics mortgage applications?

Mortgage lending has been scaled up to the point now where most decisions are based on computer algorithms. They are programmed to assess an application against a lenders set criteria and policy. It can be frustrating as a doctor with a secure career path and above average earnings to find themselves refused a mortgage. Mortgage lenders will only accept basic earnings in their calculation of affordability or require a permanent contract of employment. Junior doctors could be particularly frustrated by this.

The days of explaining your financial position to an open eared local bank manager are unfortunately long gone. Nowadays doctors need to do some homework in order not to fall foul of the new regime. It’s an obvious suggestion but we would urge doctors to seek mortgage advice from a specialist mortgage broker and take advantage of their knowledge and expertise in this area.

Why do I need a specialist medics mortgage broker?

The Financial Conduct Authority (FCA) who regulate the UK mortgage market has rules that require lenders to undertake a full in-depth review of applicants circumstances before they give advice on their own mortgage products. Lenders are no longer able to give any information without having assessed the customers position. 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.

Get specialist mortgage advice today WE CAN HELP YOU with your mortgage. Whether you’re buying or re-mortgaging to secure your repayments with a fixed rate, we can help.