Why do doctors need a specialist mortgage broker?

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

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 on the market.

A colleague then recommended David at Doctors Mortgages, and our experience with him was outstanding. David was incredibly knowledgeable, efficient, and accessible. He had a deep understanding of handling mortgages for complex income situations and assured us he could secure a deal within 10 days.

David also went above and beyond by communicating directly with the seller’s estate agent, persuading the seller to give us additional time. True to his word, our mortgage was approved within 10 days!

We will definitely be returning to David for any future mortgage needs and highly recommend him to anyone seeking expert mortgage advice.

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 level of service provided was top-notch, with clear communication, prompt responses to our queries, and a friendly demeanor that made the entire process smooth and stress-free.

One of the standout features of our experience was Davids in-depth knowledge of doctor mortgages. He was able to offer us options and guidance that was specific to the profession, ensuring that we got the best possible terms and rates. This expertise instilled confidence in us and reinforced the fact that we were in capable hands.

Overall, we were highly satisfied with the service provided by David. He exceeded our expectations in terms of professionalism, expertise, and personalised attention. The successful outcome of securing a mortgage amount we wanted only reaffirmed our confidence in his abilities.

We would wholeheartedly recommend David at Doctors Mortgages to anyone in the medical field at what ever stage in your career looking for a doctor mortgage. His specialised knowledge and dedication to client satisfaction make him a standout choice for healthcare professionals seeking tailored mortgage solutions. If you want a seamless and efficient experience with a mortgage broker who truly understands your needs, look no further than the one we had the pleasure of working with.

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.

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 medical school) but these had week long waiting lists just for an initial consultation. I approached David, heard back within an hour and had a plan sorted by the end of the day. He was knowledgeable and friendly and very easy to get hold of. He updated us and adjusted our application as mortgage rates improved whilst waiting to complete. We 100% recommend his services and will continue to use him in the future.

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 working with you again when it comes to renegotiating our mortgage!

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!

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 and Country.

Throughout the process of arranging the mortgage they were waveringly approachable and helpful, and really could not have done more to smooth the hurdles thrown up by the mortgage company.

In short, I could not recommend Doctors Mortgages highly enough, have recommended them to my friends, and would not hesitate to use them again.

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 mortgage arrangements, you name it).

David Marina’s personalised service and accessibility was above and beyond what I could have expected. I am without doubt that, were it not for their tireless work, I wouldn’t have been able to purchase our family home.

I’ve subsequently recommended Doctors Mortgages to countless friends and colleagues and I won’t hesitate to use their services when I renew my mortgage. I can’t recommend this service enough.

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.

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 step by step help made acquiring my dream home a reality and in true record timing.

I have dealt with many people over my lifetime, but I am yet to meet such an honest, caring and knowledgeable professional and I just feel so fortunate that I found your website. I now know that I now have a financial advisor for life, who I trust implicitly and this is a true asset.

I would truly recommend you unreservedly and really hope to be able to direct my colleagues to such a wonderful person and company.

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 informed me of any updates. David also provided help and support when dealing with others such as estate agents and solicitors.

Excellent service! I will happily use in the future and will strongly recommend this company to others.

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!

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

Doctors Mortgages have been professional and efficient in the handling of my mortgage application.

I am extremely grateful to David for his honesty and hard work. I would have no hesitation in recommending them to others.

I have found the service provided by Doctors Mortgages to be absolutely fantastic.

They have been very professional, catered exactly to what my financial needs are and have found me a very good product at a very good price.

They have also saved me a lot of time in trying to find the best deal myself and were happy to contact me at a time that suited me including in the evenings.

I would fully recommend their services.

Thanks for all your help over the last few days. We found your work extremely efficient and useful and in hindsight would have been better off using your service from the beginning. I will definitely be recommending you when we have friends looking to start mortgage applications.

I was impressed by the efficient and prompt service I received; eg emails are answered the same day.

Doctors Mortgages have been very helpful in advising on general financial planning, particularly with regard to pensions. They keep up to date with financial issues relevant to the medical profession which is invaluable.

They have also researched and advised on the best ways of borrowing money from the banks which has been helpful. They have always listened to concerns, explained complex issues in detail and been responsive.

I can testify that the financial advice I have received from you has been good value, honest, straightforward and clear.

I would recommend Doctors Mortgages highly to others (and have!) and will continue to use your services in the future years.

Many thanks!

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!

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!

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.

The purchase of our “forever home” was always going to be complicated to say the least. My wife and I were in the process of buying a substantial off plan New Build home, entering self-employed status as a new GP partner with no previous accounts and to complicate things further, having to factor in maternity leave & maternity pay!

Other financial advisers may be able to help with one or two of the three factors here, but It takes real expertise to address all three issues so successfully and with such efficiency. David Marina provides friendly superb advice and helped to ease our worries and concerns associated with buying a new home. We certainly felt assured knowing our application was safe with David, leaving us to concentrate on our new born baby amongst other things.

We are delighted for all the help Doctors Mortgages have provided over the past year and will no doubt seek their advice for future financial planning.

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.

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.

Really pleased with the help David provided from start to finish. Guided me through what was a difficult process with having recently become self employed. Easily contactable and always ready to help

Would recommend

David Marina was helpful, friendly, and extremely efficient. He gave clear advice and we were able to beat the recent interest rate increase by securing a mortgage offer.

We remortgaged during the “mini budget” period when interest rates were rising quickly. David secured us a great product in less than 24 hours which safeguarded our financial future. Excellent advice and service. Strongly recommend

Quick and straightforward advice and got me a good rate at a difficult time, particularly being self employed as locum. Very quick responses to queries, made my life very much easier!

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!

Having been through the mortgage application before with another company/mortgage broker, I can honestly say this has been the most stress free process. Our application was complicated by me being a newly locum/self employed GP, but David Marina has been exceptional mortgage adviser. We managed to secure a great deal with a bank that I didn’t think I would be able to get given the recent changes in my work contract. Speaking to someone who understands our type of work and pay as doctors and locum GPs meant I got better rates and mortgages deals. Highly, highly recommend! Thank you!

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!

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

I would highly recommend David Marina 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 working with you again when it comes to renegotiating our mortgage!

I am an anaesthetist in London. I am grateful to David for sorting out the mortgage and providing valuable advice. He has a wealth of experience and helped guide me through the housebuying minefield. I was especially impressed when he was able to fix a last minute issue with our ID’s whilst we were abroad. He had highlighted an issue and we had assumed we would just have to go into the bank to confirm our IDs again the week after we got back, but by the time we had got back he had spoken to the bank and sorted everything out. I would recommend David to any medical professional as he understands the incremental NHS pay structure. Something other brokers struggle to get to grips with.

David has made the entire process of buying a house so simple. He understands the industry and how to maximise the chance of being offered a mortgage and purchasing your dream home. He was able to understand the various streams of income that doctors have, and utilise these to get a great mortgage offer.
He is incredibly kind and clear in his communication and went out of his way to be accessible and available for calls.
I am so grateful to him for his exceptional service and have already recommended him to a number of colleagues.

I cannot thank David Marina enough; he has been absolutely fantastic throughout the whole process. Professional, efficient, knowledgeable and so very patient. I would highly recommend him to anyone looking to get a mortgage. Thank you so much!

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.

Has been first class service start to finish despite several changes of plan on my part. Won’t hesitate to use David Marina again for my future mortgage needs due to the high level of professionalism and transparency he has shown throughout.
Very happy customer.
Thank you again

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.

David gave me excellent advice while remortgaging. David responds quickly to phone calls and emails and was always up to date with where I was in the process.

We had David Marina as our mortgage advisor and he was fantastic. We felt like he went above and beyond and explained everything in detail. We hit a few difficulties with buying the house and he always gave his honest advice and helped us to the best of his ability. He kept us up to date with any changes and was available at any time of the day. Nothing was too much trouble.

Thanks David!

Right from the initial chat right through to completing our house purchase, David Marina has been excellent.
I felt at ease with him immediately and trusted his advice.
I think writing reviews/references are a little tricky, but as one of my ex-bosses once put it, the shorter the better:
‘I have no issues with him and I would employ him’

Thanks David.

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.

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.

From start to finish Doctors Mortgages (in particular David Mariner) were brilliant! They managed to secure us a great mortgage rate when mortgage rates elsewhere continued to rise and they helped tremendously at navigating the process of securing the deal. They were easily contactable by phone and I never had to wait long to get an answer to any of my questions / concerns. I could not recommend them any more!

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.

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!

David has been most helpful, creative and professional in helping me find a mortgage beyond my expectations. The patience, flexiblity and perseverence through the process much appreciated.

David was our assigned mortgage advisor and I couldn’t recommend him or Doctors mortgages more. With recently becoming a Locum doctor 5 months ago I was worried we would struggle to obtain a mortgage for our first home. David took all of the stress off of our plate and completed our application on our behalf. Great communication throughout and an overall amazing experience!

David has helped us to secure the mortgage on our first property. He has been so helpful, with great advice about the mortgage and lots of other aspects of the buying process. He has been available for chats throughout the last few months, answering calls immediately, and responding to emails late into the evenings. Specifically taking into account our jobs and circumstances to find the simplest and best deal for us. Accounting for doctor contracts and fluctuant hours, which many providers cannot seem to cope with. David’s advice saved us money, time and stress. We couldn’t recommend him more highly, we shall go back to him once our first fixed term is over.

David has helped us to secure the mortgage on our first property. He has been so helpful, with great advice about the mortgage and lots of other aspects of the buying process. He has been available for chats throughout the last few months, answering calls immediately, and responding to emails late into the evenings. Specifically taking into account our jobs and circumstances to find the simplest and best deal for us. Accounting for doctor contracts and fluctuant hours, which many providers cannot seem to cope with. David’s advice saved us money, time and stress. We couldn’t recommend him more highly, we shall go back to him once our first fixed term is over.

I was recommended David Marina from Doctors Mortgages when I asked other GPs about mortgage brokers, and heard he was fee free which was great. I am a newly qualified salaried GP but a first time buyer and the whole home buying process is an overwhelming concept altogether, especially as I never had to take a loan before. David was great in helping me secure a great mortgage deal compared to my google search initially, and also guiding me through the process such as recommending a solicitor, surveyors, as well home insurance and personal protection, which he passed my details onto to brokers (Safe and Secure for Home/contents, and Prime Protection for personal protection insurances) who deal with finding a good deal on those, which was very helpful. They were also fee free which was great, and did all the quote finding and application processes for me too.

David did all the mortgage applications for me, and also kept looking for lower rates throughout the house process even after the mortgage offer, which was great. Very responsive to emails and communication throughout.

Overall excellent and professional service, extremely comprehensive for more than just the mortgage but all the other things required for what is otherwise an extremely stressful thing to do that is buying a house. I highly recommend Doctors mortgages to all doctors, in particular first time buyers and those new to the UK housing market.

Being first time buyers with no experience of mortgages and house buying at all – David made the journey such an easy one. He was on hand throughout, no question was ever too much, he was thorough and clear as well as being both friendly, approachable and extremely professional. He secured our mortgage for us and made the process as stress-free as possible. We have already recommended him to numerous friends of ours and would not hesitate to use him again in the future! Thanks so much!

Brilliant service from start to finish. Would more than highly recommend.