Mortgages for Doctors in Salisbury | Mortgage advice for doctors and medical professionals in Salisbury

Mortgage advice for doctors in Salisbury

Getting a mortgage is not necessarily more complicated because you are a doctor. The difficulty can be making sure a lender understands and accepts all of the income you receive.

We regularly help doctors whose income includes:

• NHS basic salary
• Overtime and additional shifts
• On call and other regular allowances
• Locum income
• NHS and private income
• Partnership income
• Limited company income
• Fixed term contracts

Different lenders can treat these sources of income in various ways. We’ll take the time to establish how your income is structured before recommending a mortgage and check how lenders are likely to assess you.

This can be particularly important if the amount shown as your basic salary does not properly reflect what you regularly earn.

We are based in Salisbury city centre and offer face to face appointments as well as telephone and video appointments. We help doctors and medical professionals living and working locally, including those working at Salisbury District Hospital and across the surrounding area.

BOOK A MORTGAGE APPOINTMENT

How we will help with your mortgage

Our first step is to understand what you are trying to achieve and how you are paid.

Your dedicated mortgage broker will review your income, deposit and wider circumstances and establish how much you may be able to borrow.

We will then:

• Look at how different lenders will assess your income
• Identify lenders whose criteria fit your circumstances
• Explain the mortgage options available to you
• Check the documents you will need for your application
• Complete and submit your mortgage application
• Deal with the lender and respond to queries during underwriting
• Keep you updated as your application progresses

You will have an adviser to speak to throughout the process, so if a lender asks for further information or your circumstances need explaining, we will deal with this with you. We are based in Salisbury centre so we can meet you face to face or we can do everything over the phone.

SPEAK TO A MORTGAGE ADVISER

How lenders assess a doctor’s income

If your only income is a regular salary, assessing affordability may be relatively straightforward.

However, your payslip includes additional shifts, overtime or allowances it can be more complex. You may undertake locum work alongside your main role or combine NHS employment with private practice.

The important question is not simply how much you earn. It is how a lender will calculate the income it is prepared to use for your mortgage application.

Some lenders may use certain additional income where there is sufficient evidence that it is regular. Others may assess the same income differently.

We will look at your payslips, employment arrangements and other sources of income before approaching a lender. This allows us to recommend a mortgage based on your actual circumstances rather than simply your basic salary.

Are there special mortgages for doctors?

You may have seen mortgages advertised specifically for doctors or other professionals.

Some lenders have criteria designed for particular professional occupations. However, being a doctor does not automatically mean you will qualify for a particular mortgage or be able to borrow more.

Your options will depend on your individual circumstances, including your income, expenditure, deposit, credit history and the property you want to buy.

Rather than assuming a professional mortgage will be the right option, we will compare the mortgage options available for your circumstances.

If a lender has criteria that are particularly suitable for doctors or for the way you receive your income, we will take this into account when making our recommendation.

FIND OUT ABOUT YOUR MORTGAGE OPTIONS

Buying a home or remortgaging?

We help doctors at different stages of home ownership.

If you are a first time buyer, we will help you understand your budget, deposit, borrowing options and the mortgage application process.

If you are moving home, we will review your existing mortgage alongside the options available for your new property.

If you are remortgaging, we will compare your existing lender’s options with the alternatives available to you and explain the costs involved before making a recommendation.

Whatever you are planning, we will start by understanding your circumstances and then take you through the mortgage process step by step.

As we are based in Salisbury, we have strong working relationships with local property partners. We can help connect you with local estate agents, solicitors and architects that we know and trust.

FIND OUT ABOUT YOUR MORTGAGE OPTIONS

Speak to us before you apply

Whether your income is straightforward or more complex, we advise you to speak to a mortgage broker like us before you make an application.

We’ll review your circumstances and save you the time spent researching multiple lenders and save you money by finding the deal for you.

We’ll keep things simple by clearly explaining what information and documents we need, establish how lenders are likely to assess your income and explain the mortgage options available to you.

Our dedicated, Salisbury based adviser will recommend a mortgage that meets your circumstances and manage the application through to completion.

If you’re a doctor, GP, consultant or medical professional looking for mortgage advice in Salisbury, book a free initial chat with one of our local mortgage advisers.

BOOK A FREE INITIAL CHAT

This page was last updated in September 2026.