Doctor Mortgages
- No-Obligation Initial Consultation
- Specialist Mortgage Advice Tailored to You
- Access to a Wide Range of Lenders and Deals
Get in touch today for a free, no-pressure chat to see how we can support you in finding the right mortgage for your new home.
Mortgage Strategy Call
Agreement in Principle
Submit Application
Track to Mortgage Offer
Exchange & Completion
Remortgage Review
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Expert Mortgage Solutions for Medical Professionals
Buying a home is one of the most rewarding steps in life—but for doctors, the process can feel more complicated due to the nature of your income, contracts, or career stage. That’s where we come in. We specialise in helping doctors secure competitive mortgage deals—whether you’re a junior doctor, GP, consultant, or locum.
This guide covers everything you need to know about how mortgages for doctors work, what options are available, and how we can support you every step of the way.
Mortgages for Trainee, Junior & Locum Doctors
Can Trainee Doctors Get a Mortgage?
Yes—if you receive a bursary or stipend during training, some lenders (such as West Brom) are willing to count this as income. We’ll help you present your case effectively to the right lender.
Junior Doctor Mortgages
Being on a fixed-term foundation contract doesn’t mean you can’t get a mortgage. Many lenders will work with junior doctors—even those with only six months on a new contract. We know which lenders are more flexible and how to present your employment track record to gain approval.
Locum Doctor Mortgages
You can absolutely get a mortgage as a locum. Most lenders will want to see at least 12 months of consistent locum income, supported by invoices or bank statements. We’ll help package this in a way that lenders are confident to support.
Ready to Explore Your Options?
We understand how doctors’ careers and income structures can be complex—but we also know how to work with lenders who understand your profession. Whether you’re newly qualified, moving hospital, or working locum shifts, we’ll help you:
Understand what you can borrow
Choose the right lender
Get the most suitable mortgage for your goals
Navigate every step—from documents to decision