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The Mortgage Application Process: A Step-By-Step Guide

Doctors have dreams just like anybody else, to own their home and have a sanctuary to return to, after countless shifts on their feet. With a good career path ahead of you and a steady job under your belt, how hard can it be to get in the home you deserve?

We’ve taken five different doctors and examined exactly how they got into their homes in a bid to highlight the complexity of doctors’ pay structure. Many doctors struggle to get mortgages with high street lenders as they don’t understand their additional pays. Some will ignore them altogether and only use basic pay, whereas others will only use a % of additional pay.

Doctors Mortgages Online have a close relationship with several mortgage lenders that will use 100% of both basic and additional pay. It is because of this we were able to place the following mortgages with these four doctors, all at very different stages of their careers working all over the UK:

Dr Brookes (31), Gloucester

Working as a locum doctor in Gloucester, Dr Brookes longed to move to Manchester to be closer to her family. We were able to source a mortgage in Manchester for her, based on her locum income in Gloucester and potential future work available in Manchester, which was referenced by the locum agency. Dr Brookes also enjoyed a month off work between her finishing work in Gloucester and moving to Manchester.

Are you a doctor looking for help with your mortgage?

If you’ve had difficulty getting a mortgage as a doctor, then speaking to our specialist medical mortgage advisers can help. Why not give us a call or arrange for us to call you.

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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