Mortgages for Junior Doctors Getting a mortgage as a junior doctor on a fixed term contract is possible and we can help you

get a mortgage as a trainee or junior doctor

Junior doctor mortgage

Is is possible to get a mortgage as a Junior Doctor?

Yes! Although applying for a mortgage as a foundation doctor or specialty trainee 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 mortgage advisers will source the best junior doctor mortgage deals for you and ensure you are not penalised or wasting your valuable time.

Our in depth knowledge of lenders criteria and close relationships with underwriters will give junior doctors mortgage applications the best chance of success.

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.

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 always available to answer any questions and solve any issues that pop up along the way. We are in no doubt that we would not have been able to move into our new home had it not been for David managing the whole process.

We would like to thank you for all your help and support over the past few months, we are truly grateful for everything that you have done. We will certainly be coming to you for further advice in the future and recommending you to our friends and family!

Thank you!

Dr S Serna and Mr P Hayes
Junior Doctor, Oakham

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

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 application and found the service to be both personal and professional.

I wouldn’t hesitate to recommend Doctors Mortgages and I’ll certainly be back for more advice in the future!

Dr G Brown
Speciality Registrar, Deeside

Endless help in organising a mortgage for us

I would like to wholeheartedly thank you for your endless help in organising a mortgage for us for the purchase of our first house.

Following a bad experience with a high street bank’s lack of understanding of junior doctor salary banding, we were anxious to secure a mortgage offer as quickly as possible. Through your hard work this was achieved, and was a much less stressful experience! I was amazed at how quickly you responded to my endless questions, regardless of the time of day. You sorted problems & dealt with issues arising quickly and efficiently and were always more than helpful. I will most definitely (already have, in fact) be recommending you to my family, friends and colleagues.

Thanks again for everything

Dr J Cullen
Junior Doctor, Moira

Invaluable guidance and help in arranging our mortgage and securing our first home!

David has been excellent at providing us with lots of information and guidance during our search for a mortgage and our first home. He managed to sort out a great offer for us in a timely manner and was prompt and informative in responding to our emails and phone calls. We would definitely recommend to anyone out there looking for help with their mortgage!

Dr A Ahluwalia
FY2 Doctor, West Yorkshire

Understands doctors contracts to help secure you a mortgage.

This is the second time we have used Doctors Mortgages. We got quite far with another broker, but just found that they were baffled by doctors terms and conditions. It was reassuring when our broker assured us that our situation was very normal to him and that he didn’t foresee a problem getting us an offer. It took a bit of time to come through, but he delivered as promised and we are pushing ahead to hopefully move before I start my GP training in August. Thank you.

Laura Rogalski
GP, Dorset

Lifesaver, went above and beyond

Our mortgage broker, David Marina, has been absolutely fantastic from day one. It’s safe to say that we were a complicated case! As junior doctors buying their first house, but being out of training and having other buy-to-let properties our application for a mortgage provided many challenges. Despite this, David got us an offer with his dedication to his clients and his expertise. He always kept in contact with us and quickly updated us on any new information. He would also talk to our hospital trusts for us to acquire the correct documentation and would speak to the bank to explain our situation. This meant that we could completely trust David when faced with obstacles and his efficiency and service has continuously been above and beyond. We would not have kept our sanity without David and we truly owe our heartfelt gratitude to him. His patience and tenacity is everything you would want in a mortgage broker to help you along in this big life event and we can not stress how invaluable his service has been. We 100% would recommend him and will definitely be using his services in the future.

Adam Walker and Anita Sri
Anaesthetics trainees in Kent

David was a huge help

David was a huge help in navigating the process of applying for a mortgage. As a large portion of my income is from night/weekend enhancements and my partner is self-employed, we were worried that we would not be able to secure a mortgage. However with David’s help we were able to get a mortgage offer and onto the property ladder!

FY2, North East England

Saved a lot of heartache and needless stress

I just wanted to say a special thanks to David Marina for all his hard work and dedication to finding us a mortgage. I was a first time buyer and a junior doctor doing regular locums. David made the whole process run smoothly; he explained everything in simple terms as we went along and kept me updated on the process of the application at every stage.

Furthermore he was always available by email or phone when I needed information or to ask a question and he went out of his way to liaise with the estate agents in order to make the process easier for me. He took all the hassle out of finding a mortgage – I only wish I has gone to him in the first place as it would have saved a lot of heartache and needless stress.

I wouldn’t hesitate to use David again – what a lovely, knowledgeable chap!

Dr L McGimpsey
Junior Doctor, Leeds

We would recommend them to others without hesitation

Doctors Mortgages were a huge help to us in securing a mortgage for our first house and we would recommend them to others without hesitation.

From the outset David Marina was fast to respond to all correspondence and was always very approachable, giving helpful and pragmatic advice. Also beneficial to us was his understanding of the medical pay structure including banding and locum pay.

Dr J Evans
Junior Doctor, Devon

Excellent service

David is a great mortgage advisor, very practical advice, always available, very friendly and approachable, happy to help answer any questions and got us a great deal, would definitely recommend. Our application was especially difficult as I had only been locumming for 2-3 months so most lenders would not offer me a mortgage, David knew exactly how to handle this and worked around it – very knowledgable about all aspects of Doctor specific mortgages!

Junior Doctor, Manchester

Extremely knowledgable, we’re very grateful

David Marina was wonderfully brilliant in the process of us securing a mortgage. A delight to work with, easy to get hold of, and extremely knowledgable, we’re very grateful, Nicola and Joff Lock

Nicky Lock

I had a great experience

I had a great experience with Doctors Mortgages – David Marina. He was always easy to get in contact with and the process was very smooth. It made the process low stress and I would recommend.

Psychiatrist, Wirral

5 Star Service

From the first phone call David was professional, helpful and understanding of my situation. He is aware of the pressures and time constraints of working life as a doctor. He found a competitively priced mortgage in a short time frame and guided me through the process. I am really grateful for his readiness to answer my queries and I would highly recommend making an enquiry.

David – thank you so much.

SHO, Dorset

eased our worries and secured us a mortgage

My girlfriend and I would like to give a huge thank you to our mortgage adviser, David Marina, for helping with the purchase of our first home. As locum doctors with variable income, we were finding it difficult to secure a mortgage by approaching banks directly. David eased our worries and secured us a mortgage with Halifax in no time. Would highly recommend contacting doctors mortgages if you need help with what can be a confusing and stressful process! David was always available for a chat, and didn’t hesitate to answer any concerns / questions.

Max Hadlett
Locum Emergency Doctor, Chester

David was more than helpful

David was more than helpful during a very stressful time, he went above and beyond to be available and provide us with reassurance every step of the way. Would recommend highly.

A&E Hampshire

David went above and beyond

David was absolutely instrumental in our ability to find a home. We had a lot of difficulty with our initial house falling through and then our eventual house being downvalued. David went above and beyond to give us advice and how to proceed and manage the situation. We couldn’t have got through the process without David and wouldn’t be in our new home without him.

Adam and Emma
Radiology, Birmingham

Thanks David!

David was excellent and helped me secure my first mortgage after I had some problems going directly with the bank. He was communicative, fast and very helpful. Thank you!

Public Health Registrar, London

Your in safe hands with us

We take care of your mortgage journey from start to finish

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 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.

Our mortgage advisers 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.

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