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How we can help you

We can help you find a mortgage when working as a doctor, whether you are in salaried employment or self-employed, on a permanent contract or doing locum work, or even a combination of these.

If you have moved into a new practice and are newly self-employed, you might find it difficult to get a mortgage with traditional underwriting. Many mainstream lenders penalise doctors, as traditional underwriting models simply don’t consider your often more complex work patterns and finances. They look for self-employed applicants to have at least two or, more often, three years’ accounts to verify income and assess whether you can afford a mortgage.

However, all is not lost. Professional Contractor Mortgages have access to mortgage providers for doctors who are more flexible in their mortgage assessment criteria, and who specialise in offering mortgages to doctors. These lenders may be willing to use other track records as a basis for assessing your application – for example, some will look at the practice track record and make a lending decision based on what your predecessor made in the same role.

Here for you

Are you a Locum Doctor?

If you work as a locum, you may have irregular shifts, variable hours and even gaps in employment. This can be the case whether you are doing locum work exclusively or in addition to another role.

Most traditional lenders might find the irregular nature of locum pay problematic when it comes to verifying a sustainable income for mortgage purposes. Fortunately, Professional Contractor Mortgages can help you find mortgage providers for doctors and medical professionals.

Main Benefits

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Borrow based on your annualised contract rate

Borrow up to 5 times your income

Deposits as low as 5%

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best rates

Getting the right mortgage is just as important as getting the right property. We can help you find the best rate.

With Professional Contractor Mortgages, you will find a mortgage provider for doctors and an Expert Mortgage Consultant to provide you with simple clear advice, working out how much you can borrow, how much will it cost and what type of mortgage would be most suitable for you.

Your dedicated Client Service Manager will take care of all the paperwork for you, so you don’t need to worry about a thing.

We access the whole of the market which means we can source the best mortgage from all lenders.

Please feel free to call us on 02394 170047 or request a callback.

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