Are You a Doctor Looking at Property Investment?
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Property Investment Mortgages for Doctors
How Banks View Doctors
Banks don’t view doctors in the way that many would expect. The reason so many doctors struggle to get the mortgages they need is that banks assume many doctors don’t have a reliable stream of income. Locum doctors, for example, are seen as self-employed by lenders, and this can raise some warning flags about their ability to repay. Banks even view junior doctors as unstable lenders – they actually place them in a similar camp as locum doctors: as borrowers without a fixed-term contract and guaranteed income. As a result, they are less likely to accept a mortgage application.
An investment property mortgage refers to a type of mortgage that is used to buy a property that generally isn’t intended for personal use. With let to buy and buy to let mortgages available, doctors have never had a better time to expand their property portfolio.
A real world mortgage case
Jordan, Foundation 1 Doctor, Liverpool
How We Can Help
At Doctors Mortgages Online, we offer a 100% online mortgage broker service that can help you secure a mortgage that matches the amount you earn as a doctor. You are a high earner, which means you should be able to invest your money into a property that reflects that. With our bank connections, 20 years of experience, and a deep understanding of doctor’s incomes, we can help you. Here’s why you should choose us:
An Online Service
We understand how busy doctors are, which is why we offer an online service enabling us to handle everything for you from the other end of a computer screen. We will work around your schedule, with our main forms of communication being email and phone. However, if you’d prefer to meet face-to-face, we also offer this service.
A Personal Mortgage Advisor
You won’t speak to a different person every time. When you choose our services, you will be assigned a personal mortgage advisor who will learn about your unique circumstances and work with you to find the mortgage you need. We have genuinely expert advisors who understand the ins and outs of both mortgages and doctor’s salaries.
Strong Relationships with Lenders
We are able to secure the best mortgages for doctors due to the strong relationships we’ve built with lenders over the years. With our help, you can access better mortgage rates that allow you to invest in the property of your dreams.
Simple Enquiry Process
As a doctor, a lot of your time and energy will be spent on your career. You work hard, and we understand you may not have the schedule to go through a lengthy mortgage process. That’s why we make the entire application process as simple as possible – in fact, our brokers handle it all, so you can sit back and relax while we secure you the deal you deserve. All you need to do is get in touch by completing the enquiry form or calling us and schedule an initial meeting, the meeting can be done over the phone or through a video call. We will then go to the market and find the best options available for you.
Fee Free
Don’t worry – we typically do not charge any fees for our mortgage broker service! The only exception is if your case is particularly complex, which we can discuss with you.
Decades of Experience
We have over twenty years of experience in the mortgage broker business. We have already helped thousands of doctors secure the mortgage they need. High street banks do not understand the complexity of the medical profession in the same way we do, which is why our services are so useful. With our deep understanding of the medical profession alongside our strong relationships with lenders, we are able to find a mortgage that reflects your wealth.
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 We Operate
Getting an investment property mortgage could not be easier than with Doctors Mortgages Online. Our specialist mortgage brokers will guide you through the entire mortgage application process to ensure that yours is a success and that you can expand your property portfolio quicker.
As a doctor, you work unsociable hours, making applying for a mortgage difficult. After all, your shift pattern might require you to work outside of traditional office hours, which can make finding time to sit down with a mortgage advisor impossible. Our team understands this and will fit around your busy schedule.
Get your hands on a mortgage for your latest investment in these three steps:
Get in touch
Kick the process off by contacting us over the phone, via email, or by filling out the contact form with your information. We’ll then arrange a time that works for you to chat about your requirements further. We’re available after 5pm and at the weekends to work around you.
2. Initial Meeting
Over the phone or video call, we’ll meet with you to explain the process in full. Here we will answer any questions you have and get all the information we need to secure you a mortgage.
Review & Accept
We will let you know when you have a mortgage offer from one of our lenders. We’ll then explain the offer to you and answer any questions you may have about the proposal. Once you’re happy, we’ll handle the next steps.
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 Adverse Credit Can Affect Your Mortgage Application
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
Get in touch and see if we can find you the mortgage you want
