Foundation doctors, specialty trainees, and locums often face barriers with mainstream lenders. We work with specialists who understand medical career structures and will treat your confirmed training contract or consistent locum income as stable earnings from day one.
Just qualified or in foundation training? Some lenders will accept your confirmed medical training contract and start date, so you can buy your home before or shortly after starting your first role.
Locum income doesn't fit neatly into a standard mortgage application, but that doesn't mean you're stuck. We work with lenders who will consider your track record of locum earnings, assess your actual income, and lend accordingly. A consistent history of locum work goes a long way.
Many high street lenders won't lend beyond age 70, but specialist lenders will. They will also consider your NHS pension as income. Whether you are approaching retirement or still working, we can find the right option for your circumstances.
When your fixed rate ends, we search the whole market to find you the best remortgage deal. Most lenders offer free valuations and free legal fees through their appointed solicitor for standard remortgages.
Alongside doctor-specific mortgage products, these government schemes may also help you get on the property ladder sooner or with a smaller deposit.
For official BMA guidance on GP and doctor employment:
Related mortgage advice:
