Your guide to high-value mortgages, without the headaches
For many doctors, buying a high-value home isn’t just a dream—it’s a well-earned reality. But once you’re looking at properties with price tags north of £1 million, things can get a little more complicated. The good news? As a medical professional, you’re in a great position to borrow. You just need the right guidance.
That’s where we come in.
At Doctors Mortgages, we help doctors secure mortgages over £1 million every day—whether you’re a consultant upgrading to your forever home, a GP expanding your space, or a locum navigating complex income streams.
Why Doctors Are Ideal Borrowers (Even If Lenders Don’t Always Get It)
From a lender’s perspective, doctors are among the most reliable borrowers out there. You’ve got:
- Strong earning potential
- Stable employment
- Career progression that most professionals only dream of
But despite this, many high street lenders struggle to assess your income properly—especially if you’re mixing NHS with private work, earning through a limited company, or have just hit a new pay grade.
That’s where a specialist broker (like us) makes all the difference.
How Much Can You Actually Borrow?
Most lenders cap borrowing at around 4.5x your income, but for doctors? Some go up to 5.5x (and occasionally more)—especially if they understand the profession.
So, if you’re earning £150k+, it’s very possible to borrow £1m or more—sometimes with just a 10–15% deposit.
We work with lenders who look beyond basic salary and take into account:
- NHS banding
- Private practice income
- Bonuses, overtime, and on-call pay
- Locum/self-employed income (with as little as 1 year of accounts)
The Common Hurdles (and How We Solve Them)
Even top-earning doctors can hit speed bumps when applying for a big mortgage. Sound familiar?
- “My income’s a mix of NHS, private, and locum—no one seems to understand it.”
- “I’m newly qualified but on track for big earnings—why won’t lenders see that?”
- “I don’t have time to sort through all this paperwork.”
We get it. That’s why we do the heavy lifting for you—matching you with lenders who understand how doctors work and presenting your case in a way underwriters actually understand.
What You’ll Need to Get Started
If you’re thinking of applying, here’s a quick checklist of what lenders usually ask for:
- NHS payslips or contract
- Private practice invoices or self-employed accounts
- Proof of deposit
- ID and proof of address
- Clean credit history (a few blips are usually OK)
Don’t worry if your situation’s a little more complex—we’ll guide you through exactly what’s needed.
A Real Example
Dr. S, a 34-year-old consultant, came to us looking to buy a £1.4m home in Surrey. She had a healthy deposit and a mix of NHS and private income—but the banks she tried couldn’t get their heads around her earnings.
We stepped in, packaged her application properly, and matched her with a lender that understood medical professionals. Within four weeks, she was approved for a £1.2 million mortgage—on great terms.
Ready to Explore Your Options?
Getting a £1m+ mortgage as a doctor isn’t just possible—it’s something we help with every week. With the right advice, you’ll be surprised how much you can borrow—and how smooth the process can be.
Get started today—chat with one of our friendly mortgage specialists and let’s see how we can help you make your move.
We can help all doctors looking for a mortgage
We are experts in sourcing and arranging mortgages for doctors whatever stage you are at. We have an exceptional reputation for customer service. Deal with us and we’ll guide you through the mortgage application process from start to finish.