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Doctor’s mortgage

Arranging a doctor’s mortgage can be a complex process as lenders generally have a limited knowledge of the way doctors’ careers progress, and how you are paid.
We deal with mortgages for doctors every day, both hospital doctors and GPs, from trainees to consultants. This puts us in a unique position to assist you.

We specialise in mortgages for Doctors

Doctor’s Mortgage for GP Partners

GPs entering a new practice, often find it difficult to raise mortgages as they may not have the normally required three years self-employed track record.
This is something that we are used to handling, and we regularly arrange doctor’s mortgages for GPs new to a Partnership role.

We regularly arrange Doctors’ mortgages for:

  • GPs who have recently become Practice Partner
  • GPs who are about to become a Practice Partner
  • GPs new to Locum work
  • GPs on PAYE Contracts
  • GPs established as Practice Partners

Doctor’s mortgage and convenience

One overriding issue for doctors is lack of time, and this makes it extremely difficult for them to deal with lenders or mortgage brokers during office hours. Our systems are set up to allow you to provide the information we need, online, at a time to suit yourself, whether that be 3 am or midday.

We have built our processes specifically to assist doctors by cutting out time-wasting meetings and paperwork and providing you with regular updates by email and SMS. Arranging mortgages for doctors can be a complex process, particularly for those without the necessary experience.

Our mortgage brokers are specialists in assisting doctors and we look forward to hearing from you.

Hospital Doctor’s Mortgage

At A Mortgage Now, we know there are a number of factors that are common when arranging a hospital doctor’s mortgage. The nature of the career path is such that frequent changes of address are common, particularly, during the training stage, and this can cause issues with credit score. We often find lenders’ systems cannot recognise some hospital accommodation addresses.

We also know that doctors frequently work on fixed-term or training contracts which can be an issue when applying for a doctor’s mortgage.

Doctors who apply for mortgages either directly or through some other brokers run into problems in that their income is not handled correctly when presented to the lender. Our extensive experience in the market means that our relationships with lenders benefit from their confidence that we understand doctors and how to handle their applications.

In our experience, Doctors who are working on highly skilled migrants visas will commonly have problems arranging a mortgage. As part of our mortgages for doctor’s service, we have organised a number of special arrangements with lenders to secure mortgages for doctors in this scenario.

Many doctors will look to rent out their existing property when they purchase. This is something that needs to be handled carefully with lenders as each have different attitudes to rented properties in the background.

Locum Doctor’s mortgage

We arrange mortgages for doctors working as locums with as little as 6 months of trading history.

F1 & F2 and Doctor’s mortgage when training

If you are a postgraduate Doctor embarking on your training cycle, you may be as busy as you are ever likely to be. Therefore, you will find our Doctors Mortgage Service is the ideal service when you wish to obtain a mortgage or re-mortgage. Since we do everything online, you can arrange your mortgage at a time to suit you. Without meetings, without paperwork and without fuss.

Whether you are a Doctor in F1, F2, or training in a specialism, we can assist.

Mortgages for Medical Professionals

As well as mortgages for Doctors, we also arrange: