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Mortgage Advice for Freelancers

Mortgage Advice for Doctors

Mortgages for Doctors can be more complex. Whilst more challenging it is not impossible. Here’s how we can help:

  • Take time to understand how you are paid

  • Find a solution that works for your circumstances

  • Access to Specialist Lenders and Bespoke Underwriting

If you turn to a specialist broker like us for Mortgage Advice for Doctors, GPs and other Medical Professionals, we’ll work hard to get a successful outcome for you.

Mortgage Advice for Doctors

Mortgage Advice for Doctors explained

For some Doctors, accessing a mortgage can be the same as for all workers. If your income comprises basic hours, it can be more simple to apply for a mortgage.

But for others, Mortgages for Doctors can be more difficult. And, we often hear that Doctors have been turned down for a mortgage in the past because of the way you are paid.

For example, if you do shift work or overtime, it means that your basic pay doesn’t reflect your true earnings. Likewise, if some of your income comes from your private practice or non NHS work, it can be more complicated to accurately represent your income to high street lenders. Or maybe the majority of your earnings is made up from Locum Work.

We understand this. And we have built strong relationships with lenders who want to lend to hard working Doctors.

Professional Mortgages

By working in certain professional industries – such as a Doctor, Consultant or GP – many lenders consider these to be safe, secure forms of employment. It means that you’re probably on a stable career path and lenders like the predictability of this.

As a result, it can mean that lenders put advantageous criteria together for those working in certain industries. In short, it means that – if you qualify – you might be able to borrow slightly more.

If you speak to an experienced Mortgage Broker like Your Mortgage Expert, we can help simplify the process. We understand which lenders offer professional mortgages and how to apply.

We will research from across the market to find the most suitable deal for you. We have access both high street deals as well as specialist lenders that might not be available when applying directly.

If you need to speak to us outside of standard office hours, we can be flexible with out appointment times. We know your busy schedule means that 9-5 may not work for you.

Speak to Your Mortgage Expert today for Mortgage Advice for Doctors, GPs and other Medical Professionals to see how we can help.

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Mortgages for Doctors

Mortgage Advice for Self Employed Doctors

Throughout your career, you might choose to move from a salaried position to being self employed. Whether as a Partner or Self Employed, we can help.

We often speak with doctors who work in the following ways:

  • Part NHS and Part Private
  • Locum doctors
  • Working at a practice – LLP or self-employed
  • Employed on a fixed term contract

With all of these types of employment, getting a mortgage can be more complicated but not impossible.

The first steps will be to establish how you are paid. Which lenders we approach will be dependent on this. Are you paid through part PAYE and part dividends? Or paid via an Umbrella Company? However you are set up, we have experience of helping someone like you.

We will take time to understand your circumstances and will know which lenders work for your situation. As well as the big high street banks, we also have access to specialist lenders who are more geared towards self employed people.

We know what documents you need to provide to the lender to meet their lending criteria. We also know how to package your income to maximise the likelihood of a successful outcome.

By using an experienced mortgage adviser like us, we can help guide you through this whole process and help make it as stress free as possible.

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Why choose us?

Our friendly, experienced team is based in the heart of Salisbury, Wiltshire. But we can help you no matter where you live in the UK. To find out more about us, visit our Meet the Team page.

Our team has:

  • Over 80 years of experience in the mortgage and protection industry
  • Close relationships with high street and specialist lenders
  • We have over 100 five-star reviews on Google
  • Have helped hundreds of NHS and self employed people access mortgages

How we work:

  • Personalised, hard working service
  • Search 1000s of deals from multiple lenders
  • Detailed research to ensure you save money
  • Take care of the paperwork to minimise stress
  • By your side from application to completion
  • The experience to get a good result for you

Contact us today for Mortgage Advice for Doctors and see how we can help you get a successful outcome.

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  • Dan Allen mortgage adviser

    Dan Allen - Mortgage Adviser

    Dan Allen has worked with mortgages for over 10 years. He takes time to understand different lender criteria. His wealth of knowledge means he will know which lenders will work for you situation.
    Email Dan Allen
  • Dan Harris mortgage adviser photo

    Dan Harris - Mortgage Adviser

    Dan started working in the mortgage industry in 2004. Since then, he has helped lots of Sole Traders. Dan has great attention to detail and will do the hard work to ensure you get the best recommendation.
    Email Dan Harris

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Your Mortgage Expert is a trading name of Your Mortgage Expert Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Registered Office Address: 18 New Canal, Salisbury, England, SP1 2AQ. Registered in England Number: 08924507.

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