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I just started work as a
locum. Doctors
Mortgages were able to
get me a mortgage
using just three months
payslips.
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As a junior doctor, getting a mortgage during foundation training can often appear to be almost impossible. You may be looking to buy your first home, move to a bigger property to accommodate a growing family or group together and buy a place with friends. Whatever you reason for needing a mortgage, the last thing you need is a rejected mortgage application.
Junior doctors are viewed as being self employed as they don’t have permanent employment contracts. As your training rotates, your contracts will change frequently and this makes it harder for lenders to judge your earnings accurately because they don’t understand the dynamics of a trainee doctor.
If you have struggled to get a mortgage as a junior doctor, Doctors Mortgages Online can help you get any mortgage on the market. We have access to lenders who understand junior doctor contracts and some will even lend if you can provide a contract offer letter. If you are looking to get your foot on the property ladder, remortgage to consolidate debt from training or sabbatical, buy to let or let to buy, we can let you know exactly how much you can borrow and offer you a range of competitive mortgage rates based on your individual criteria.
“Junior doctors are viewed as being self employed…”
“…some lenders will lend based on a contract letter.”
A real world mortgage case
Jordan, Foundation 1 Doctor, Liverpool
Why use Doctors Mortgages Online?
8 reasons why is makes sense to use Doctors Mortgages
Save time
We do the leg work. We find the best lender, we fill out the forms and apply for the mortgage for you. We communicate with the lender through the whole process so you don’t have to.
Fee free
We primarily work on commissions, so can usually provide our services fee free. Some complex cases may require a fee, but you will be informed of this by an advisor before making any commitments.
Market Knowledge
We do the leg work. We find the best lender, we fill out the forms and apply for the mortgage for you. We communicate with the lender through the whole process so you don’t have to.
Experience
We primarily work on commissions, so can usually provide our services fee free. Some complex cases may require a fee, but you will be informed of this by an advisor before making any commitments.
Exclusive Products
We do the leg work. We find the best lender, we fill out the forms and apply for the mortgage for you. We communicate with the lender through the whole process so you don’t have to.
Whole of market access
We primarily work on commissions, so can usually provide our services fee free. Some complex cases may require a fee, but you will be informed of this by an advisor before making any commitments.
Flexible
We do the leg work. We find the best lender, we fill out the forms and apply for the mortgage for you. We communicate with the lender through the whole process so you don’t have to.
Qualified and regulated
We primarily work on commissions, so can usually provide our services fee free. Some complex cases may require a fee, but you will be informed of this by an advisor before making any commitments.
How it works
If you are a doctor or medical professional, securing a mortgage for a property has never been easier, thanks to the team here at Doctors Mortgages Online. With access to bespoke mortgage rates tailored to you, we take the hassle out of mortgage applications to find solutions that match your goals and lifestyle in just three easy steps.
Get in touch
2. Initial Meeting
Review your options
We can help you with all your mortgage and investment
needs at every stage of your financial journey
Boost Your Chances Of Getting A Mortgage With Our FREE Guide.
Mortgage advice and guides
How Do High Street Banks View Medical Professionals?
No Deposit Track Record Mortgage Available For Home Buyers
Getting A Mortgage Before You Start In Post
Getting A Mortgage As A Doctor When You Are On A VISA
When Doctors Make Their Move: How We’ve Helped 4 Very Different Doctors Achieve Their Mortgage Potential
The Mortgage Application Process: A Step-By-Step Guide
Get in touch and see if we can find you the mortgage you want
