The leading specialist mortgage broker for junior doctors
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?
"I can't thank you enoughfor your advice, help and guidance in helping me to get my first mortgage. You found me a mortgage that perfectly suitsmy needs"
50,000+ mortgages placed
20,000+ satisfied clients
Highly rated
50,000+ mortgages placed
20000+ satisfied clients
Highly rated
Another stat
Mortgages for Junior Doctors
Can Junior Doctors Get a Mortgage?
Junior doctors can secure a mortgage with the right help. However, many banks and lenders make the application process more complex than necessary due to little knowledge of the healthcare industry and its pay structures.
On paper, a foundation doctor may not match a lender’s strict criteria, meaning they are more likely to have their mortgage application rejected.
How Banks View Junior Doctors
Junior doctors have many tasks to complete, shift patterns to manage, patients to care for, and skills to learn, meaning they don’t have the time or energy to deal with rejected mortgage applications.
Despite many important daily responsibilities, foundation doctors often struggle to step onto the property ladder. Many high-street banks will view junior doctors as fixed-term contractors, as they don’t have a permanent employment contract.
For example, they will work on rotation with a fixed-term contract, switching jobs every three to four months as part of training, which results in multiple sources of income. As a lender doesn’t understand how the process works, they may believe a junior doctor lacks employment consistency and career experience.
To make matters worse, most banks will only take a junior doctor’s basic salary into account when assessing affordability and not factor in night shifts, overtime, or on-call hours into their decision.
“Junior doctors are viewed as being self employed…”
“…some lenders will lend based on a contract letter.”
How We Help Junior Doctors Get a Mortgage
At Doctors Mortgages Online, we are dedicated to helping foundation doctors receive the keys to their first homes. As a specialist online mortgage broker, we understand the many issues junior doctors will face when applying for a mortgage, and it’s our goal to take the stress out of the process.
We have developed strong, professional relationships with trusted healthcare lenders, helping doctors secure a better mortgage rate than on the high street. Each lender we work with understands how a foundation doctor’s contract and income structure work, decreasing the likelihood of a rejected application.
Plus, our reputable lenders will consider a junior doctor’s future earning potential following the completion of training, providing a superb deal and rate that complements their finances and goals.
Our service is available 100% online to match the busy nature of your role. Also, we will fill in forms and submit applications on your behalf, allowing you to focus your full attention on your patients and career while we help you secure a mortgage deal that is right for you.
A real world mortgage case
David
Why use Doctors Mortgages Online?
We know how hard you work as a junior doctor and want to make your mortgage application seamless.
Securing a junior doctor mortgage can feel far from straightforward if you are approaching high-street banks for a loan. With complex employment contracts and income structures, standard providers only take this information at face value, often mistaking you as a temporary worker, delaying or even rejecting your mortgage application, making it harder for you to get a foot on the property ladder.
When you choose a specialist online mortgage broker with expertise in the workings of the medical profession, you can secure a deal at a rate that works for you and considers your future high-earnings potential once your training is completed.
Our relationships with trusted healthcare lenders mean we can help first time buyers, those looking to relocate, and those who want to invest in property, even if they are at the start of their medical careers.
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.
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
With the help of our friendly and professional team, securing a mortgage is made a whole lot easier. Our specialist online brokers can help take the stress out of applying for a mortgage. Say goodbye to having to overexplain your situation to lenders, and say hello to the best mortgage deals that you won’t be able to find on the high street.
As well as being well-versed in providing mortgage advice for doctors at any career stage, our advisors understand how you work. That’s why someone will always be available outside of the nine-to-five and at weekends, making it easy for you to fit your mortgage application around your changing shift pattern.
Get access to mortgage deals that are tailored to you with Doctors Mortgages Online in three simple steps.
Get in touch
Kick things off by phone, email, or filling out our contact form. It only takes a few seconds to provide us with your basic information. Then, we’ll arrange a time that suits you to chat through your requirements and determine your needs. There’s no need to worry about your unsociable junior doctor working hours either; we’re available at weekends and outside of standard office hours.
2. Initial Meeting
We’ll explain our process to you over the phone or via video call, whatever you prefer. During this call, we’ll collect all the information we need to find you a mortgage.
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
