Specialist Mortgages & Insurance for Doctors
Helping UK medical professionals secure mortgages, protect income, and safeguard their families—expert advice tailored to your career.
- Free advice on the best deal for you
- We take care of your application from start to finish
- 20+ Years experience working with doctors
Mortgages and Protection Built Around Your Medical Career
Mortgages for Doctors
Get a mortgage based on your full earning potential—NHS, locum, or private.
Insurance for Doctors
Income protection, life insurance & mortgage cover tailored to your need.
Protection Reviews
Already have cover? We’ll check it’s still right for your situation—for free.
Whole of Market Access
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
Complete this short form to get a FREE mortgage quote from an in-house adviser
If you would like to discuss your mortgage, call Doctors Mortgages now on 0330 111 4081
Words From Happy Doctors
Read some of our recent client experiences
How it Works
Free Discovery Call
We get to know your goals, earnings & situation
Tailored Recommendations
We search the whole market to find the best fit
We Handle the Paperwork
You relax, let us manage the application process.
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.