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The leading specialist mortgage broker for Consultants

Our advisors understand the complex nature of healthcare incomes and how they can cause difficulties in getting the mortgage you want. We have trusted relationships with specialist healthcare lenders and access to exclusive deals. Our service is usually fee free so what do you have to lose?

Their industry knowledge &
personalised approach made
a world of difference. I was given
several mortgage options that I
struggledto get elsewhere

50,000+ mortgages placed

20,000+ satisfied clients

Highly rated

Consultants have higher than average earnings, yet they frequently find that their mortgage applications are delayed or even rejected. Why? Medical consultants often face setbacks when applying for a mortgage because they fall short on the affordability checks that traditional high street banks carry out.

Due to your high earnings, it is highly likely that you will be looking to buy a more expensive property than the average home. This means that you’ll have to prove to lenders that you can not only afford the higher monthly repayments but that you can afford the additional costs like stamp duty that are associated with buying a higher-value property. When you combine this with the transient nature of the medical profession, you might struggle to get a mortgage if you are just starting out in this post.

This is where consultants can benefit from turning to a specialist broker like Doctor Mortgages Online. We have been helping consultants just like you to secure a mortgage of up to 5.5 times your income for 20 years. Unlike high street lenders, we understand the dynamics of working as a consultant and appreciate your high income, whether you have just started in the role or have been working in it for years.

We want to make it as easy as possible for you to secure a consultant mortgage, that’s why we have built up trusted relationships with specialist mortgage lenders that understand the medical profession inside-out. The expert healthcare lenders we work with understand that consultants can have various income streams at once.

In fact, consultants can have as many as five income streams, including an NHS salary, a private income, hospital board membership salaries, merit awards, and additional payments for lecturing. All of these additional payments will be factored into the affordability assessments when you choose to get a mortgage with Doctors Mortgages Online.

Your complex earnings structure can put some lenders off from granting you a consultant mortgage, and finding one that understands you can feel like a lot of work on top of your already hectic work schedule.

A specialist broker can streamline the entire application process to ensure you get the best deal for your personal situation. Our team will fill out all the paperwork and secure you a mortgage offer without meeting face-to-face.

We can source mortgages for doctors looking for remortgages, to buy a property, buy to let, let to buy, or to invest.

“Junior doctors are viewed as being self employed…”

“…some lenders will lend based on a contract letter.”

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Don’t waste any more time, get in touch with our expert advisors today and let us take the hassle out of getting a mortgage.

A real world mortgage case

I’m thrilled with Doctors Mortgages Online. They made the mortgage process easy and stress-free, allowing me to purchase the house I wanted. Highly recommended!”
Jordan, Foundation 1 Doctor, Liverpool

Why Do Consultants Use Doctors Mortgages Online?

When a medical consultant is seeking a mortgage from a high street lender this can feel impossible. Lengthy delays and rejections can leave you feeling unmotivated and deflated to carry on with your property ownership dreams.

Standard lenders simply don’t understand the nuances of working as a doctor, so you need to secure a mortgage from a specialist mortgage lender.  

We’re an online mortgage broker that understands how your income works, and our healthcare lenders will factor all of your income streams when assessing your affordability to help you secure a mortgage deal at a rate that works for you.

As a medical consultant, you don’t want to waste any time when it comes to applying for and securing a mortgage. That’s why we will never request to meet you face-to-face; everything we do is completed online. Our brokers will complete all necessary paperwork and will only contact you when it is absolutely essential.

Contact us today to receive specialist help and guidance to make your application as hassle-free as possible.

8 reasons why is makes sense to use Doctors Mortgages

Our Experience

We have more than 20 years of experience sourcing mortgages for doctors that work for them. Doctors often earn higher than the average worker, so you would think they would have no problem securing the funds to buy a property. High street banks don’t understand the complexity of the medical profession, which can result in delays and rejected mortgage applications. With us, it’s simple. We provide practical mortgage advice at any stage in their career, sourcing mortgage deals of up to 5.5 times your income.

100% Online Service

Unsociable working hours and fragmented shifts can make it harder for you to find time to research lenders. Our 100% online mortgage broker service works around your schedule, with all communication via email or phone. We will never request to see you face-to-face unless you want to, and we will only contact you when you are available.

Saves You Time

Our online mortgage broker service will do all the leg work for you. You provide us with the essential information, and we’ll do the rest, from filling out the forms and submitting the application. We’ll handle communication with the lender to secure a mortgage for doctors wherever they are.

A Personal Mortgage Advisor

Once we are in touch, you will be allocated your personal mortgage advisor to guide you through the process. A specialist in providing mortgage advice for doctors, they will arrange the paperwork and find the right lender to ensure that your funds arrive in time to exchange contracts.

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.

8 reasons why is makes sense to use Doctors Mortgages

Our Experience

We have more than 20 years of experience sourcing mortgages for doctors that work for them. Doctors often earn higher than the average worker, so you would think they would have no problem securing the funds to buy a property. High street banks don’t understand the complexity of the medical profession, which can result in delays and rejected mortgage applications. With us, it’s simple. We provide practical mortgage advice at any stage in their career, sourcing mortgage deals of up to 5.5 times your income.

100% Online Service

Unsociable working hours and fragmented shifts can make it harder for you to find time to research lenders. Our 100% online mortgage broker service works around your schedule, with all communication via email or phone. We will never request to see you face-to-face unless you want to, and we will only contact you when you are available.

Saves You Time

Our online mortgage broker service will do all the leg work for you. You provide us with the essential information, and we’ll do the rest, from filling out the forms and submitting the application. We’ll handle communication with the lender to secure a mortgage for doctors wherever they are.

A Personal Mortgage Advisor

Once we are in touch, you will be allocated your personal mortgage advisor to guide you through the process. A specialist in providing mortgage advice for doctors, they will arrange the paperwork and find the right lender to ensure that your funds arrive in time to exchange contracts.

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.

How it works

For your application to be a success, you need to use a specialist medical mortgage broker.

 

Enlisting the service of a broker like Doctors Mortgages Online that knows the ins and outs of the medical profession will make your application a whole lot easier. You won’t have to explain your financial situation to lenders that don’t understand how the industry works, and you’ll enjoy a seamless process from application to offer.

 

We have 20 years of experience in helping doctors at every stage of their careers with mortgage advice and applications. Our advisors understand the dynamics of the profession and know you may not be available during standard office hours, that’s why we can be contacted at weekends and outside of the nine-to-five.

All mortgage deals we secure will be specifically tailored to you. These are the three steps involved:

Get in touch

Start your consultant mortgage journey with an email, phone call, or by filling out our contact form. Pass along your basic information in just a few seconds, and we’ll arrange a time that suits you to discuss your requirements.

2. Initial Meeting

In our first meeting, which will be held over the phone or on video call, we will outline our entire process to you. If you are happy for us to source you a mortgage, we’ll collect all the information we need at this stage while you sit back and relax.

Review your options

We’ll get in touch with you again once your mortgage offers start coming in to make sure you understand everything in the proposed offer. If you are happy with what’s been proposed, let us know, and we’ll put everything in place.

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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Our experienced advisors are only a phone call away.
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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