Medical Mortgages
Mortgages for doctors, locums and medical professionals
Doctors often have strong earnings but an income shape that confuses high-street lenders — locum and bank work, training rotations, multiple NHS and private income streams, or being newly qualified with a short employment history. The good news is that some lenders actively want medical professionals as customers and will assess your income far more sympathetically than a standard affordability check, sometimes lending on day-one contracts or treating locum income as employed. The key is being matched to the right lender and adviser for your exact situation. We connect you with an FCA-regulated mortgage specialist who works with medics, understands how the lending market treats medical income, and can find the products you are actually eligible for.
What lenders actually want from a locum doctor
Locum income is regular for most doctors, but lenders vary enormously in how they treat it — some average two or three years of accounts, others accept a shorter track record or current day rate annualised. A specialist adviser knows which lenders take a pragmatic view of locum and bank work, what paperwork they expect, and how to present your income so it is assessed fairly rather than discounted.
Newly-qualified and trainee doctors
If you have just qualified or are early in training, you may worry that a short employment history will count against you. In practice several lenders recognise the secure career path of a doctor and will lend on the strength of a signed contract or expected progression. Getting matched to one of them early can mean buying sooner and on better terms than a generic broker would find.
Consultants, private income and larger loans
Established consultants often combine NHS salary with private practice or other income, and may need larger or more complex lending. Advice here focuses on lenders comfortable with mixed medical income and on structuring borrowing around your wider plan, including protection (see income protection) and tax considerations.
Frequently asked questions
Often yes. Some lenders accept locum and bank income or will lend from the start of a new NHS contract. The right outcome depends on your circumstances — matching you to a lender that takes this view is exactly what the specialist does.
There is no universal 'doctor rate', but some lenders offer favourable criteria and products for medical professionals. A specialist adviser compares these against the wider market to find your best overall deal.
Matching and the initial conversation are free and without obligation. Any mortgage advice fees are explained clearly by the adviser before you proceed.
Related specialist advice
Get matched to the right specialist
Answer a few questions about your situation and we will route you to an FCA-regulated adviser who specialises in mortgages for medical professionals. It is free and carries no obligation.