Why You Shouldn’t Just Do Nothing When Your Fixed Rate Mortgage Ends: A Remortgaging Guide
It’s quite likely that when you took out your mortgage, you fixed the interest rate for a set number of years. When that fixed deal
Specialist Mortgage Advice for Doctors
Mortgage solutions for NHS doctors, junior doctors, GPs, consultants, surgeons, locums, and medical professionals.
We understand medical careers, complex incomes and lenders that value your profession.
- Specialist medical professional advisors
- Access to specialist mortgage lenders
- Borrow up to 5.5x income
- NHS & Private Practice experience
- Dedicated Mortgage Advisor
- Free / No-Obligation Service
- 100% online, flexible appointment times
- UK-Wide Service
Specialist Experience
11
+ Years'
Mortgages Placed
40000
+
Satisfied Clients
10000
+
Highly Reviewed
4
★
We have over 20 years of experience helping medical professionals secure mortgages. Our experienced team understands your unique income structures, training, and career progression, which is crucial when it comes to mortgage affordability.
Whether you are buying your first home, moving house, remortgaging, or investing in a buy-to-let property, we’re here for you.
WE UNDERSTAND
Mortgages for Every Stage of Your Medical Career
Select your role to see how it affects your mortgage options.
Junior Doctor Mortgages
Junior doctors don’t have permanent employment contracts when going through training rotations. Training might require you to change hospitals, location, take on additional hours, and more, resulting in more than one income stream. This can be confusing for traditional banks when determining your affordability. They’ll see you as a fixed-term contractor and only consider your basic salary, which can make it harder to secure a mortgage on your own without the help of a specialist broker.
Example: junior doctor, mid-rotation, multiple income
sources combined into one application.
Newly Qualified Doctor Mortgages
If you’re newly qualified and want to buy a property before starting in post, Doctors Mortgages Online can help. Our team can help you secure a mortgage with just your contract and offer letter. That’s because we work with lenders who appreciate your high future earnings potential.
Example: newly qualified doctor, starting a new post
with a changing employment position.
GP Mortgages
For most salaried GPs, securing a mortgage is straightforward. Things get more complicated for new GP partners. They are viewed as self-employed by high street lenders, meaning they’ll usually need to provide two years’ worth of income to be approved for a mortgage. It can be a big stumbling block. When you turn to an expert medical mortgage broker like us, we can help you get a mortgage based on what the surgery earns and your projected income.
Example: GP, moving from salaried employment
to a new partnership with multiple income sources.
Consultant Mortgages
Consultants have as many as five income streams, which include an NHS salary, private income, hospital board membership salary, merit awards, and payments for lecturing. This can be too complicated for traditional banks to figure out, especially if you are new to a post and don’t have many years of proof of income. That’s why going to a professional healthcare broker that only works with lenders who understand your pay structure is the way forward.
Example: consultant, NHS salary plus private practice
and additional income combined into one application.
Locum Doctor Mortgages
Locums work irregular shift patterns, so income can vary monthly. High street banks see you as a self-employed applicant without a regular, steady income. Traditional lenders will often want to see years of payslips before approving you for a mortgage. At Doctors Mortgages Online, we understand that you might not always have these due to the nature of your work. The lenders we work with are understanding of your circumstances, so a lack of payslips shouldn’t stand in your way.
Example: locum doctor, variable shifts and income
from multiple hospitals combined into one application.
Junior Doctor
No permanent contract yet
Junior Doctor
No permanent contract yet
GP Mortgages
For most salaried GPs, securing a mortgage is straightforward. Things get more complicated for new GP partners. They are viewed as self-employed by high street lenders, meaning they’ll usually need to provide two years’ worth of income to be approved for a mortgage. It can be a big stumbling block. When you turn to an expert medical mortgage broker like us, we can help you get a mortgage based on what the surgery earns and your projected income.
Example: GP, moving from salaried employment
to a new partnership with multiple income sources.
Newly Qualified
Buying before starting post
Newly Qualified
Buying before starting post
Newly Qualified Doctor Mortgages
If you’re newly qualified and want to buy a property before starting in post, Doctors Mortgages Online can help. Our team can help you secure a mortgage with just your contract and offer letter. That’s because we work with lenders who appreciate your high future earnings potential.
Example: newly qualified doctor, starting a new post
with a changing employment position.
GP
Salaried or new partner
GP
Salaried or new partner
GP Mortgages
For most salaried GPs, securing a mortgage is straightforward. Things get more complicated for new GP partners. They are viewed as self-employed by high street lenders, meaning they’ll usually need to provide two years’ worth of income to be approved for a mortgage. It can be a big stumbling block. When you turn to an expert medical mortgage broker like us, we can help you get a mortgage based on what the surgery earns and your projected income.
Example: GP, moving from salaried employment
to a new partnership with multiple income sources.
Consultant
Multiple income streams
Consultant
Multiple income streams
Consultant Mortgages
Consultants have as many as five income streams, which include an NHS salary, private income, hospital board membership salary, merit awards, and payments for lecturing. This can be too complicated for traditional banks to figure out, especially if you are new to a post and don’t have many years of proof of income. That’s why going to a professional healthcare broker that only works with lenders who understand your pay structure is the way forward.
Example: consultant, NHS salary plus private practice
and additional income combined into one application.
Locum
Irregular shift income
Locum
Irregular shift income
Locum Doctor Mortgages
Locums work irregular shift patterns, so income can vary monthly. High street banks see you as a self-employed applicant without a regular, steady income. Traditional lenders will often want to see years of payslips before approving you for a mortgage. At Doctors Mortgages Online, we understand that you might not always have these due to the nature of your work. The lenders we work with are understanding of your circumstances, so a lack of payslips shouldn’t stand in your way.
Example: locum doctor, variable shifts and income
from multiple hospitals combined into one application.
WHAT WE ARRANGE FOR DOCTORS
Mortgages We Arrange for Doctors
First-Time Buyer Mortgages
We help doctors secure mortgages so they can buy their first property.
Remortgages
We help doctors with remortgaging to either release equity or secure a better mortgage deal.
Buy-to-Let Mortgages
Looking to invest or expand your property portfolio? Our team can help you secure buy-to-let mortgages.
Locum Doctor Mortgages
Working variable hours shouldn’t stop you from getting a mortgage; our team is experienced in helping locum doctors secure the mortgage they need.
GP & Consultant Mortgages
For higher-earning doctors who need specialist support during the mortgage process.
WHAT WE ARRANGE FOR DOCTORS
Specialist Mortgage Advice for Doctors
A career in healthcare and medicine can lead to some complex income patterns that are difficult for traditional lenders to understand. This can mean securing a mortgage as a doctor can be more complicated than people think.
That’s why turning to a specialist broker like Doctors Mortgages Online is a smart move.
Doctors have high long-term earning potential. However, high street lenders don’t always understand the complexity of doctor income streams when you approach them yourself, which can result in rejected mortgage applications and wasted time.
Doctors Mortgages Online is a specialist broker with decades of medical mortgage experience. We understand the medical profession inside out and handle the entire application process for you, packaging your application in a way that lenders approve, saving you time and securing mortgage deals with trusted lenders of up to 6 times your income.
As a doctor, we know that you work unsociable hours, which can make researching and finding a lender harder. Our mortgage broker service works around your schedule, with communication to fit you. We offer email, phone, video, and face-to-face appointments.
We help doctors at all stages of their careers, from foundation and junior doctors, locums, and GPs right through to GP partners, consultants, and surgeons, to secure mortgages and get their feet on the property ladder.
What’s more, our service is completely free.
HIGH STREET vs SPECIALIST
Why the high street banks let doctors down and how a specialist mortgage broker can get you what you deserve
High street lenders treat doctors just like any other mortgage applicant. They don’t take the time to understand your unique circumstances, which can lead to annoying delays or rejections.
As a doctor, your income structure can be complex. You might have multiple sources of income coming from your NHS contracts, rotational training posts, overtime, locum work, private practice work, multiple trusts or employers, or a partnership income.
To be successful in your mortgage application, you need the help of a specialist broker who understands your circumstances and knows how to package your application so that lenders approve it.
Same doctor. Different assessment
HIGH STREET
Basic Salary
Counted
Additional income
Not counted
LOW OR NO OFFER
SPECIALIST
Basic Salary
Counted
Additional income
Counted
HIGHEST OFFER
LENDER CHOICE MATTERS
We Understand How Lenders Assess Doctors
No two lenders have the same mortgage borrowing criteria. Over the years, we’ve built up strong relationships with trusted lenders that understand the unique earnings structure of medical professionals.
We understand how they assess your employment contracts, self-employed income, and additional earnings, so we can find a mortgage solution that works for your unique circumstances. Knowing how lenders view you as a doctor is what makes your mortgage application a success.
The right lender can make the difference
Junior doctor’s income
Basic Salary _ Nights and on-call pay
HIGH STREET
Basic Salary
Counted
Additional income
Not counted
LOW OR NO OFFER
SPECIALIST
Basic Salary
Counted
Additional income
Counted
HIGHEST OFFER
Mortgage calculator for medical professionals
How it works
1. Get in touch
Reach out via phone, email, or the contact form with your details, and we’ll arrange a time to discuss your requirements. We are available outside of traditional office hours and at weekends.
2. Initial Meeting
Over the phone or video call, we’ll gather all the information we need to find you the perfect mortgage. During this call, we’ll outline the process.
3. Review your options
We’ll get in touch to confirm your mortgage options and will handle the application for you. Once the offer has been produced, we will talk you through the next steps and will help you right through too completion!
Boost your chances of getting a mortgage with our FREE guide.
Our free guide tells you everything you need to know to increase your chances of getting a mortgage as a doctor working in the UK. There are some basic things you can do to increase the likelihood of being approved. Enter your email address in the box below to download our free guide.
What Doctors Say About Us
Charlie Rees
2 months ago
Mark has been amazing leading us through our mortgage process. He was prompt replying to us and explaining the process to a first time house buyer. I couldn’t recommend Mark more. Thank you so much Mark!
Sarah Cleasby
3 months ago
We cannot recommend Doctors Mortgages enough! Debbie, has been so supportive, kind and incredibly informative throughout the whole process - she never made us feel like a question was silly, and thoroughly explained each step within this process. We both cant thank her enough.
Chetan Mehta
4 months ago
Mark Emery supported us with our house purchase as our mortgage broker and advisor. I cannot recommend him highly enough. Extremely clear communication on next steps, what to expect, what had been done and what was needed. Easily contactable by email or phone when needed, and again clear communication of any upcoming leave. Very knowledgeable and helpful, especially given our anxiety as first time buyers during a time where mortgage rates were particularly volatile. 5* service, would recommend.
Shilen Shah
5 months ago
Mark Emery gave us excellent advice and helped us to find the best mortgage to suit our needs. He was approachable, knowledgeable and made one part of the house buying process transparent and easy. Would recommend to any doctors looking for a mortgage!
Jainam Mehta
5 months ago
Definitely recommended. Mark and his team were amazing throughout the whole process. They provided genuine advice, found us one of the best and most competitive mortgage rates on the market, and were always available to answer any queries promptly. They made the entire process very smooth and stress-free.
Sahar Gilani
6 months ago
Mark Emery was incredibly supportive throughout the entire process. As a first time buyer I was unsure how to navigate aspects of the mortgage process and kept hitting road blocks when attempting things by myself. He was very responsive to emails at all hours of any day and willing to hop on a phone call as soon as needed. I would absolutely recommend to all colleagues in need of a broker who understands the complexities of doctors’ contracts. I am very grateful to have been guided as expertly and kindly as I was.
Emily Yates
6 months ago
I couldn’t have asked for a better service. Mark was so helpful through every step of buying my first home. Nothing was ever too much for him. I would message him through the week and at weekends and he would always reply, even when he was on holidays he’s would ensure to respond to me when I had questions.
The process took some time however everything with Mark was easy and done to an extremely high standard.
I have already recommended Mark to friends who have either already engaged with Mark or who will be when they are at the stage of buying their first homes .
Thank you Mark for helping me through the process of buying my first home
John Allen
6 months ago
Mark has been absolutely superb throughout our mortgage process. He was tenacious, proactive, and always available no matter the time. Nothing was ever too much trouble, and he made the whole experience smooth and stress-free. Highly recommend Mark to anyone looking for a reliable and dedicated mortgage advisor.
Frequently Asked Questions about doctor mortgages
Can Junior Doctors Get A Mortgage?
Yes, junior doctors can get mortgages. Your chances of securing a junior doctor mortgage increase when you use a specialist broker like Doctors Mortgages Online. We understand your earning structure and employment contracts, which means we can get you the best deal and optimise your application for success. Lenders will take into account your credit history and credit score to determine how much they can lend you.
Can Locum Doctors Get A Mortgage?
Locum doctors can get mortgages. Lenders will usually want to see evidence of your pay history, as you are self-employed, and their criteria will vary. When you choose a specialist broker, the process is made easy as they can handle the process for you and package your application in a way that gets approved.
Do Doctors Get Special Mortgage Rates?
Doctors don’t usually get access to special rates because of their profession. The rates you can access normally depend on how big your deposit is versus the value of the property you are buying, your credit score, and your income.
How Much Can A Doctor Borrow?
How much a doctor can borrow depends on their individual circumstances. At Doctors Mortgages Online, we can source mortgages for doctors up to 6 times their annual income. Of course, this will vary on a case-by-case basis, and the amount a doctor can borrow will change based on a range of factors, including your credit history, committed outgoings, income, deposit size, and the lender.
Can Private Practice Income Be Included?
Yes, any private practice earnings you have can be included in your income for a mortgage application. Some lenders may assess this differently, though. When you turn to a specialist mortgage broker for doctors like Doctors Mortgages Online, we’ll take into account your full income, including any additional earnings for affordability checks, which could increase the amount you can borrow.
Can Newly Qualified Doctors Get A Mortgage?
Newly qualified doctors can get mortgages, yes. We work with lenders that offer newly qualified and junior doctor mortgages. These lenders take into account your future earnings potential and employment contracts, as they don’t expect you to have all the usual paperwork to support your application if you are waiting to start in a post or have just recently started.
Dedicated Mortgage Advice for Doctors Across the UK
We make mortgages for doctors simple. Never be let down by a lender again when you choose a specialist doctor mortgage advisor like Doctors Mortgages Online.
Our team understands the challenges that doctors are up against when trying to secure a mortgage, and we offer practical, honest advice to help you reach your home ownership goals, so you can know the options that are available to you.
You don’t even need to fill out any time-consuming forms, as our team handles all of that for you so you can concentrate on other things.
Whether you are a first-time buyer, home mover, expanding your property portfolio, looking to remortgage, buy-to-let, or invest in a GP practice, we’ve got you covered at whatever stage of your career you’re at.
We help doctors all over the UK secure mortgage deals that work for them.
Looking for a Mortgage for Doctors?
Speak to our specialist team of doctors mortgages experts today.
Whether you’re looking to buy your first home, expand your investment portfolio, remortgage, or relocate, we’re here to help you find a mortgage solution that works for you.
Mortgage advice and guides
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