Specialist Mortgage Brokers for Medical Professionals

We specialise in getting the best mortgage deals for doctors and medical professionals with whole of market options and over 100 years of experience dealing with doctors and 30 years with the BMA.

I just started work as a locum. Doctors Mortgages were able to get me a mortgage using just three months payslips.

50,000+ mortgages placed

20,000+ satisfied clients

Highly rated

Why use Doctors Mortgages Online?

If you are a Doctor or medical professional, using a specialist broker with medical professional experience can make a difference to the success of your mortgage application and take away all of the hassle involved with finding and securing a mortgage. Whether you are buying, investing, letting or remortgaging we can source a mortgage at a rate to suit you.

How Do High Street Banks View Medical Professionals?

A career in healthcare and medicine can lead to some complex income patterns that are difficult for traditional lenders to understand. That’s why turning to a specialist broker like us is a smart move.

Junior Doctors

As a junior doctor, you won't have a permanent employment contract when going through your training rotations. During this time, your training might require you to change hospitals, location, take on additional hours, and more, meaning you have more than one income stream. This can be confusing for traditional banks when determining your affordability, as they'll see you as a fixed-term contractor and only consider your basic salary. All of this can make it harder to secure a mortgage on your own without the help of a specialist broker.

GPs

For most salaried GPs, securing a mortgage should be easy enough as banks treat them the same as any other salaried employee. Where things get complicated is for new GP partners who are looking to buy a property. GP partners are viewed as self-employed by high street banks, meaning they'll usually need to prove two years' worth of income for a successful mortgage application. This can be a big stumbling block for those hoping to get a mortgage with a high street lender. When you turn to an expert medical mortgage broker like us, we can help you secure a mortgage based on what the surgery earns and your projected earnings.

Locums

Locum doctors often work irregular shift patterns, meaning their income can vary monthly. It doesn't matter to high street banks that you are a high earner. They just view you as a self-employed applicant without a regular, steady income. This can complicate your mortgage application. Traditional lenders will often want to see many years' worth 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 this kind of work. The lenders we work with are understanding of your unique circumstances as a locum doctor, meaning a lack of payslips won't stand in your way.

Consultants

It might come as a surprise to learn that medical consultants can struggle to secure a mortgage. High street banks like mortgage applications to be kept simple and straightforward. As a consultant, you might 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 lenders to figure out, especially if you are new to your post and don't have proof of many years of income. That's why you should turn to a professional healthcare broker who only works with lenders who understand your pay structure.

How Do High Street Banks View Medical Professionals?

Junior Doctors

As a junior doctor, you won't have a permanent employment contract when going through your training rotations. During this time, your training might require you to change hospitals, location, take on additional hours, and more, meaning you have more than one income stream. This can be confusing for traditional banks when determining your affordability, as they'll see you as a fixed-term contractor and only consider your basic salary. All of this can make it harder to secure a mortgage on your own without the help of a specialist broker.

GPs

For most salaried GPs, securing a mortgage should be easy enough as banks treat them the same as any other salaried employee. Where things get complicated is for new GP partners who are looking to buy a property. GP partners are viewed as self-employed by high street banks, meaning they'll usually need to prove two years' worth of income for a successful mortgage application. This can be a big stumbling block for those hoping to get a mortgage with a high street lender. When you turn to an expert medical mortgage broker like us, we can help you secure a mortgage based on what the surgery earns and your projected earnings.

Locums

Locum doctors often work irregular shift patterns, meaning their income can vary monthly. It doesn't matter to high street banks that you are a high earner. They just view you as a self-employed applicant without a regular, steady income. This can complicate your mortgage application. Traditional lenders will often want to see many years' worth 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 this kind of work. The lenders we work with are understanding of your unique circumstances as a locum doctor, meaning a lack of payslips won't stand in your way.

Consultants

It might come as a surprise to learn that medical consultants can struggle to secure a mortgage. High street banks like mortgage applications to be kept simple and straightforward. As a consultant, you might 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 lenders to figure out, especially if you are new to your post and don't have proof of many years of income. That's why you should turn to a professional healthcare broker who only works with lenders who understand your pay structure.

Understanding Of Earnings Structure

Regular lenders make mortgages for doctors complicated. Our online mortgage brokers understand how you get paid and how your employment contracts work so you won’t get rejected due to misrepresentation.

Strong Relationships With Lenders

We’ve built up trusted relationships with bespoke lenders that are not on the high street, meaning we can access better mortgage rates than you could find yourself.

Easy Application Process

Our brokers handle the entire application process, so you can rest easy.

Fee Free

The online mortgage broker for doctors’ service we provide doesn’t require a fee unless your case is particularly complex. We work on a commission basis.

We can help you with all your mortgage and investment
needs at every stage of your financial journey

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

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.

Review your options

We’ll get in touch to confirm your mortgage options and will handle the application right through to offer. Once the offer has been produced, we will talk you through the next steps and will be there to help you 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.
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Mortgage advice and guides

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If you can’t talk now, leave your details via our contact form and we’ll get back to you to discuss your personal mortgage requirements at a time to suit you.

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