Mortgages for Doctors in Salisbury We've got you covered.

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.

Our team takes the time to research from across the market to find the most suitable deal for you. With access to both high street as well as specialist lenders we have access to deals that might not be available when applying directly.

We are based in Salisbury City Centre, so we can arrange face to face appointments if you are local. If you need to speak to us outside of standard office hours, we can be flexible with out appointment times. Your schedule is busy which means that 9-5 may not work for you.

Speak to Your Mortgage Expert today for Mortgage Advice for Doctors in Salisbury if you are a Doctor, GP or other Medical Professionals to see how we can help.

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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.

Contact us today