How can we help you?
We invite you to get in touch via a free, no-obligation initial consultation.
We recognise that your financial situation may be more complex than that of other employed individuals.
Maybe there are various components to your income – or perhaps you’re self-employed or own your own practice.
Regardless of the specifics, if you’re a medical professional searching for a mortgage, we’re here to help.
We’ve spent more than twenty years helping doctors and other medical professionals overcome complex mortgage-related challenges.
This extensive experience – alongside our close industry relationships with specialist lenders – allows us to provide expert advice and the possibility to arrange bespoke mortgage solutions that account for your unique financial circumstances.
For some doctors, it may be possible to access special terms and exclusive rates. This is due to many reasons, including increased likelihood of employability, job stability, and higher earning potential.
Unfortunately, high street lenders tend to regard mortgages for certain medical professionals as ‘complex’. In practice, this means they may not be able to assess your income in the correct way. Many doctors often have variable components to their income and it can take a more knowledgeable lender in the field to fully account for these variables. Other lenders may misinterpret your gross income, thereby reducing your borrowing power – or maybe even leading to an unsuccessful mortgage application.
Advice from a mortgage specialist can increase your chances of a successful mortgage application, allowing you to borrow more and, ultimately, find a better mortgage deal.
We recognise the complexities associated with being self-employed, including fluctuating income, variable expenses, and intricate tax structures.
Our mortgage consultants are well-versed in the nuances of self-employment and understand the financial considerations specific to your profession. We can help navigate these challenges to find the right mortgage solution for you.
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As a locum doctor, the freedom and flexibility of choosing when and where you work may sometimes pose challenges when it comes to securing a mortgage. Your employment and financial history are important, and many lenders will require evidence of income over the previous two years.
However, there are other lenders that can take a more flexible approach and only consider income between six months to a year. We’ll help you identify lenders that are most amenable to your unique circumstances.
Researching the market alone can lead to missed opportunities and potentially less favourable terms. A mortgage broker can play a crucial role in helping doctors identify the full range of mortgage options available to them.
Not only do our consultants provide invaluable expertise, but our access to the entire range of mortgage lenders – including access to bespoke and exclusive mortgage rates – allows us to arrange expert mortgage solutions for doctors.
To start your mortgage journey, speaking with one of our expert consultants will help you understand your options in the context of your personal and financial circumstances.
Private Finance offers a free initial 30 minute consultation to discuss your needs.
Make a mortgage enquiryYour home may be repossessed if you do not keep up repayments on your mortgage.
With our online mortgage tools, find the information you need using our helpful guides, information on the best mortgage rates and handy mortgage calculators.
