Doctor MortgageCalculator
Estimate borrowing power, monthly repayments and lender affordability using criteria tailored to medical professionals.
NHS income supported
Designed for doctors
Specialist lenders
FCA-regulated
Live estimate summary
Updates live · indicative only
Estimated borrowing power
£292,000
Loan amount
£315,000
Your deposit
£75,000
Loan-to-value
80.8%
Estimated monthly payment
£1,691/mo
Affordability score
75Strong
Monthly surplus
£1,578
You may qualify for:
90% LTV options
NHS-friendly underwriting
Enhanced affordability assessment
Complete your details to refine your estimate.
Medical Income Profile
This is where specialist lender criteria can differ most from a standard mortgage calculator.
Career Stage
Income Type
Gross Annual Income
£65,048
Monthly Take-Home Pay
£4,024
Auto-estimated before pension and student loan deductions.
Additional Annual Income
£0
Optional. Rental, investment or private-practice income, gross per year. Counted at 60%, as lenders typically discount this income.
PMF Insight
As a Specialty Registrar, some specialist lenders may consider future consultant earnings and confirmed career progression when assessing affordability.Potential borrowing impact: +£23,417 to £64,398 compared with standard high-street criteria.
Commitments
Monthly Credit Commitments
£350
£0
£5k
Your estimate updates live as you adjust the inputs
Property Details
Tell us about the home you're planning to buy.
Home price
£390,000
£100k
£5m
Your deposit
£75,000
£0
£390k
Purchase summary
Home price
£390,000
Deposit
£75,000
Loan needed
£315,000
Loan-to-value
80.8%Good
Deposit 19.2%
Loan 80.8%
Purchase context
Buyer type
Property location
Typical deposit position
Your 19.2% deposit gives an estimated 80.8% loan-to-value. This is within a common range. Lender choice will still depend on income structure, commitments and credit profile.
Add £3,000 to reach 80% LTV and widen your lender options
Mortgage Setup
How would you like to structure your mortgage?
Mortgage Term
Rate Type
Interest Rate (%)
5.00%
1.00%
10.00%
Initial Deal Period
5 years
No initial deal
10 years
Changing these assumptions may affect your estimate and lender comparison.
Reversion Rate (%)
7.50%
1.00%
12.00%
Used for the rate-shock comparison after the initial deal period.
Repayment Type
Product Fee
£999
Product Fee Treatment
Estimated Other Fees
£4,500
Legal, valuation, survey, moving, broker and insurance cost estimate.
Monthly Overpayment
£0
Optional. Included in surplus and total repayment modelling.
Remortgage Review
5 years
1 years
10 years
Stress Rate
7.00%
1.00%
12.00%
Bank Rate reference 3.75% checked 18 June 2026
Estimated Monthly Payment
£1,691/mo
75
Affordability Score
Strong
Borrowing Power Range
Conservative
£260k
Expected
£292k
Optimistic
£325k
Loan amount
£315,000
Stress Tested Payment
£2,096/mo
Income Multiple
4.8x
Total Interest
£293,756
Upfront cash required
£84,999
SDLT Estimate
£4,500
Monthly Payment Breakdown
Principal
£378
Interest
£1,313
Total
£1,691
Why this score?
Your income profile supports specialist lender criteria.
Your deposit level improves lender confidence.
Existing commitments reduce your available monthly affordability.
How to improve this estimate
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See which specialist lenders may fit your profile.
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No Obligation
Doctor mortgage questions
Specialist lenders often lend around 4.5–5 times income and may consider future consultant earnings, locum and NHS bank work. Your actual borrowing depends on income, deposit, existing commitments and the lender's stress rate.
Yes. Specialist lenders assess medical career stability, contract continuity and earnings trajectory rather than only a single permanent payslip, so foundation, specialty-registrar and locum doctors can often borrow more than standard high-street criteria suggest.
Typically 5–10%, with better rates at lower loan-to-value. Some lenders offer higher loan-to-value and professional or medical mortgage schemes designed for doctors.
Some lenders manually underwrite medical cases and understand rotations, NHS pension contributions, bank work and private income. A specialist adviser matches your profile to the lender and criteria most likely to lend.
Payslips, bank statements, proof of deposit, employment contracts, and evidence of any recurring locum or private income.
Specialist lenders may look at your grade, contract continuity, GMC registration, recurring enhancements and career trajectory.
The example rate is 5.00%, with a stress rate of 7.00%. Tax rates and thresholds can change.
Some lenders manually underwrite medical cases and may better understand rotations, NHS bank work, future consultant earnings and GP partnership income.
Your data is secure
All calculations are performed locally in your browser. No personal data is stored or shared from this calculator.
Read our privacy policyThis calculator provides an estimate, not mortgage advice. Your home may be repossessed if you do not keep up repayments on your mortgage. PMF is not a lender and will introduce you to a selected panel of FCA-regulated advisers.