If you’re a doctor working for the NHS, privately, or both, getting a mortgage isn’t always as easy as it should be. That’s because, even though you’re in a respected, stable career, many lenders don’t understand how your income works.
You might be working a mix of NHS shifts, private clinics, or locum work meaning that it can be hard for lenders to see exactly how much you earn.
If you’re on a Tier 2 (Skilled Worker) visa, some lenders may limit how much you can borrow or require a higher deposit. These restrictions often aren’t based on your income or financial stability, but on outdated lending policies. In any of these scenarios, a lot of banks will either say no, or offer you less than you could really afford, simply because their systems don’t know how to handle your income.
The problem is that most high street lenders rely solely on computer-based checks. These systems often ignore certain income, don’t take future earnings into account, and struggle with visa holders or locum doctors. It’s frustrating, especially when you know you’re financially secure, but the banks just don’t see the full picture.
But don’t worry we’re where here to help
We know how to present your full financial profile in the right way to the lenders which means you can achieve a higher borrowing amount to find the home you need.
We can even help if you’re on a skilled worker visa. That’s not something all banks will consider, but we can find you a lender who will accept visas, meaning you can get on the property ladder sooner than you thought.
Whether your income comes from NHS work, private practice, locum shifts, or any combination, we work with lenders who understand the structure of medical earnings and are happy to consider multiple income streams. These steps can help you go from the home that’s second best, to the higher value home you really want.
Ready to Get Started?
As a specialist mortgage broker for doctors, GPs, and surgeons, we have access to over 95 lenders including high street banks, specialist providers, and lenders who cater for medical professionals – so we’re well placed to find you the best deal.
We’ll take care of everything from sourcing the right mortgage, presenting your case clearly, and handling all the paperwork, so you can stay focused on your patients, your career, and your time.
Appointments are available in the evenings and on weekends if needed so we can work around your busy schedule.
Fill out our quick enquiry form or speak directly with an expert adviser on 01268 855333 for a free consultation.
GET A FREE QUOTEFill in this form or call us to get mortgage advice tailored to you. Save money and get maximum flexibility with your mortgage.
or call us: 01268 855333
With access to over 95 lenders and thousands of mortgage products, we can offer a wide selection of tailored solutions including exclusive deals not available to the public. This means we can source mortgages specifically designed for doctors, surgeons, and GPs, no matter how complex your situation.
We can access products that allow for smaller deposits, even if you’re on a visa. Many lenders recognise the stability and earning potential of medical professionals and offer flexible solutions that let you borrow more with less upfront making it easier to buy a home.
In practical terms, this gives you more options, more flexibility, and a better chance of securing a mortgage that fits your needs without the usual delays or complications.
Most high street lenders apply rigid formulas that cap what you can borrow, ignoring income from private work, locum shifts, or self-employed contracts. That can significantly reduce the amount you’re offered, even when your real income supports more.
This leaves many doctors settling for a worse home than they could afford, delaying property goals or having to compromise on location, size, or quality.
We work with lenders who recognise your full financial picture, not just a single income stream. That includes NHS salaries, private income, and future earnings potential, all of which can be used to secure higher income multiples and a mortgage offer that reflects what you’re truly capable of repaying.
This means you can get access to properties that match your ambition instead of being limited by outdated lending models.
Applying through the wrong lender can waste weeks only to be declined for reasons that don’t reflect your real situation. Many doctors spend hours gathering paperwork, chasing answers, and repeating the same details to different banks.
This not only delays your move but can also damage your credit file and leave you feeling stuck.
We remove the guesswork. Our brokers know which lenders are best suited to your circumstances from the outset, and we present your case properly the first time. We also can deliver a Decisions in Principle quickly so you can start your property search sooner. Depending on the complexity of your situation we aim to produce this within 24 hours.
That means fewer delays, fewer surprises, and more control saving you both time and money on the way to a better mortgage.
Finding time for mortgage appointments can be difficult when you’re managing shift patterns, long hours, or unpredictable schedules. Standard 9-to-5 availability just doesn’t work for most doctors.
Trying to fit everything in around your rota can lead to rushed decisions, missed opportunities, or unnecessary delays.
We offer evening and weekend appointments to fit your timetable, not ours. Whether you prefer a call after surgery hours or a weekend catch-up, we’ll work around you to keep the process moving smoothly.
With expert support on your terms, you get the guidance you need without sacrificing patient time, personal time, or productivity.
We will find the right solution, so you can secure your home without the hassle.
We’ll take the time to understand your unique situation and goals.
We’ll do thorough research, provide you with a few loan options and help guide you through your decision.
Once you’ve selected your preferred loan we’ll do the legwork to get it lodged, approved and settled.
We’ll stay in touch to make sure that you still have the right loan as your situation changes (and try to save you money along the way!).
Extensive Choice
Maximise Borrowing
Save Time and Money
Flexible Appointment Times
Fill in this form or call us to get mortgage advice tailored to you. Save money and get maximum flexibility with your mortgage.
or call us: 01268 855333
Fill in this form or call us to get mortgage advice tailored to you. Save money and get maximum flexibility with your mortgage.
or call us: 01268 855333
