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[H1] Mortgages for Doctors - Trusted, Specialist Advice

We secure mortgages for doctors for healthcare professionals across the UK. Protect your income, and safeguard your family—expert advice tailored to your career.

Free advice on the best mortgage deal for you

We take care of your application from start to finish

20+ Years experience working with doctors

Get Free Mortgage Advice

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[H2] Helping doctors and medical professionals secure tailored mortgage solutions

As an independent mortgage broker, we will source and arrange your mortgage from the WHOLE MARKET and we have an exceptional reputation for customer service. Deal with us and we’ll guide you through the house buying process from start to finish.

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[H2] GP Partner
As a GP partner, your income structure can be complex — with drawings, practice profits, and partnership accounts all affecting how lenders assess affordability. Our GP Partner Mortgages guide explains how specialist lenders evaluate partnership income and which mortgage options best suit established and newly appointed partners.
Learn about GP mortgages

[H2] Locum Doctor
If you work as a locum GP or hospital doctor, your income may look a little different from a standard NHS salary — but that doesn’t mean getting a mortgage should be harder. Learn more about our Locum Doctor Mortgages and how we help PAYE and self-employed locums secure competitive rates with flexible income assessments.
Learn about locum mortgages

[H2] Junior Doctor
If you’re a foundation or junior doctor, buying your first home can feel challenging — especially with training rotations and changing income. Our Junior Doctor Mortgages guide explains how specialist lenders assess your NHS salary, future pay rises, and contract history to help you get on the property ladder sooner.
Learn about getting your first mortgage

[H2] Mortgages and Protection Built Around Your Medical Career

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[H3] Remortgages for Doctors
Switch or stay – Let’s review your remortgage options.
Find My Next Deal →

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[H3] Insurance for Doctors
Income protection, life insurance & mortgage cover tailored to your need.
Explore Insurance →

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[H3] Protection Reviews
Already have cover? We’ll check it’s still right for your situation—for free.
Explore Insurance →

[H2] Whole of Market Access and Exclusive Deals for Doctors

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[H2] Get specialist mortgage advice for doctors, we’re ready to help.

Our advisers CAN HELP YOU. Whether you’re buying or re-mortgaging to secure your repayments with a fixed rate, we can help.

Let's Get Started

[H2] Why Doctors Across the UK Trust Us

[H3] Independent, impartial mortgage and Insurance advice for medical professionals

As one of the UK’s leading medics mortgage & Insurance specialists, our advice service can assist where others can’t.Our medical mortgage and insurance advisers have over 20 years experience arranging mortgages and looking after the protection needs of doctors. As we only advise medical professionals we have built up an enviable network of contacts at well-known banks, building societies and insurance companies.✅ Specialist advice for NHS, locum & private doctors✅ Whole-of-market lender and insurer access✅ FCA-authorised and experienced advisers✅ Understands NHS payslips, rotations & contract types✅ Friendly, jargon-free advice with no upfront fees

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[H2] Complete this short form to get a FREE mortgage quote from an in-house adviser

[H3] If you would like to discuss your mortgage, call Doctors Mortgages now on 0330 111 4081

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[H2] Specialist Mortgage Advice

[H4] Self Employed GPs
[H3] From New GP Partner to Homeowner in Just 3 Weeks
Profile: Newly appointed NHS GP PartnerChallenge: Couldn’t get a mortgage approval through mainstream brokers due to lack of payslipsResult: Mortgage in principle in 2 weeks — completed purchase in 3The SituationWhen Dr S. became a GP Partner, they quickly discovered that many lenders wouldn’t consider their application without several months of income evidence — something most new partners simply don’t have. Their home purchase was in jeopardy, and time was running out.The SolutionAfter finding Doctors Mortgages online, Dr S. was connected with David Marina, who immediately recognised the issue and stepped in. Drawing on his experience helping doctors with complex income, David sourced a lender that understood partnership income and offered terms that worked perfectly for the client’s new role.Within two days, Dr S. had a mortgage in principle, and within three weeks, the mortgage was finalised, allowing the family to exchange contracts and secure their new home.“David was unbelievably helpful, proactive and efficient right from the get-go. Excellent communication and customer service throughout. I cannot recommend him highly enough, especially for doctors struggling to get a mortgage through other channels.”— Dr S., NHS GP PartnerKey Takeaways:✅ Mortgage in principle in 2 days✅ Fully approved and exchanged in 3 weeks✅ Smooth process tailored for doctors’ complex incomeWhy it matters:Mainstream lenders often struggle with the unique pay structures of GP partners. With expert guidance, newly appointed partners can access competitive rates without unnecessary delays or stress.

[H4] Locum Doctor
[H3] How a Locum Doctor Secured Their Dream Home in Just 10 Days
Profile: Locum DoctorChallenge: Initial mortgage offer fell short after a month of delays with another brokerResult: Full mortgage approval in 10 days — purchase savedThe SituationIn October, Dr L. applied for a mortgage through another broker. After more than a month of waiting, the offer finally arrived — but it was far below what was needed. With the seller losing patience and threatening to relist the property, the situation became incredibly stressful and time-sensitive.The SolutionA colleague recommended David Marina at Doctors Mortgages, and from the first conversation, the experience turned around. David immediately understood the complexities of locum income and reassured Dr L. that he could secure the right mortgage quickly.He not only found a suitable lender who recognised variable and flexible NHS income, but also personally contacted the seller’s estate agent to explain the circumstances and buy valuable time.Within 10 days, David delivered exactly as promised — a full mortgage approval that saved the purchase.“David was incredibly knowledgeable, efficient, and accessible. He had a deep understanding of complex income situations and assured us he could secure a deal within 10 days — and he did! We’ll definitely be returning to David and highly recommend him to anyone seeking expert mortgage advice.”— Dr L., Locum DoctorKey Takeaways:✅ Previous broker’s offer fell short after 5 weeks✅ David secured a new mortgage offer within 10 days✅ Sale saved through proactive communication with estate agentWhy it matters:Locum doctors often face unique challenges proving income to lenders unfamiliar with their work patterns. With the right specialist advice, these barriers disappear — allowing doctors to secure competitive mortgages quickly and confidently.

[H4] Junior Doctor
[H3] How Junior Doctors Secured a Smooth Mortgage Move During Major Career Transitions
Profile: Husband & Wife Resident Doctors (transitioning from ST2 to ST3)Challenge: Starting new jobs, new hospitals, changing pay grades, and porting an existing mortgageResult: Stress-free mortgage solution arranged within a dayThe SituationWhen Drs A. and B. were both preparing to start new hospital posts — moving from ST2 to ST3 and adjusting to new pay scales — they also needed to port their existing mortgage to a new property.They first contacted several large, well-known “medical” mortgage firms — but each had week-long waiting lists for initial consultations, delaying their plans and adding unnecessary stress.The SolutionFrustrated by the delays, they turned to David Marina at Doctors Mortgages. Within one hour of getting in touch, David had responded personally, and by the end of the day, he had a full mortgage plan in place.Throughout the process, David kept the couple updated and even adjusted the application as mortgage rates improved — ensuring they secured the best available deal before completion.His approachable, knowledgeable support turned what could have been a complicated, high-pressure situation into a smooth and reassuring experience.“David took all of the stress out of arranging a mortgage. He was knowledgeable, friendly, and very easy to get hold of. We 100% recommend his services and will continue to use him in the future.”— Drs A. & B., Junior DoctorsKey Takeaways:✅ Response within 1 hour — full mortgage plan by the end of the day✅ Seamless handling of job changes, new pay grades, and mortgage porting✅ Application optimised as rates improvedWhy it matters:Junior doctors often juggle new roles, training rotations, and relocations — all while trying to move home or remortgage. With fast, specialist support from a broker who understands NHS pay structures, the process can be smooth, efficient, and stress-free.

David was an absolutely fantastic help during my first house buying experience!
Navigating house buying as a doctor seemed so complex - I'd heard that lots of lenders don't understand doctor salaries and payslips, but David had a firm understanding of how it works for us and was able to communicate with the mortgage provider to get us the best deal. He was also able to provide great advice regarding stamp duty and gifted deposits too.
Thanks to David's expertise, I didn't have to do much detailed research myself which was absolutely great whilst working a busy job with frequent night shifts!
Thanks David for all your help in making the process smooth and stress free! Couldn't recommend him more. Posted on David was absolutely fantastic. He was super knowledgable, proactive, efficient and such a lovely person to have supporting us through the process! He was so responsive and would walk us through everything so thoroughly, taking the time to answer even the smallest of questions (in my opinion, he goes above and beyond!). Honestly couldn't recommend him enough! Posted on I would highly recommend Doctors Mortgages! Knowledgeable, patient and very efficient. My journey buying a property was far from straightforward but throughout all the ups and downs, David was so patient and supportive. I honestly cannot fault him. Posted on David has helped us to secure the mortgage on our first property. He has been so helpful, with great advice about the mortgage and lots of other aspects of the buying process. He has been available for chats throughout the last few months, answering calls immediately, and responding to emails late into the evenings. Specifically taking into account our jobs and circumstances to find the simplest and best deal for us. Accounting for doctor contracts and fluctuant hours, which many providers cannot seem to cope with. David's advice saved us money, time and stress. We couldn't recommend him more highly, we shall go back to him once our first fixed term is over. Posted on David has provided possibly the best service we could have possibly asked for. He was immediately accessible, clear and answered all of our questions. He was supportive with out complex employment and financial situation.
When we needed to get a new mortgage in principle in the last minute, David got us one within the hour.
When we needed to last minute change solicitors he sorted it out without issue.
When our initial bank denied us a mortgage David got us a better deal with a new bank within the day.
I cannot recommend his services highly enough to all doctors looking for a mortgage broker Posted on David was extremely quick and provided me with tailored mortgage advice based on my job. Always available to speak to and made the whole process very easy and transparent. I would highly recommend Posted on David was easily approachable, knowledgeable and helpful throughout what would have otherwise been quite a stressful time. As a locum doctor, he made the process as straightforward as possible during a time in my career that has strange shift patterns. Thank you so much! Posted on David Marina is an absolutely amazing mortgage advisor. He knows and understands how things work for you , in my case he knows what shifts and your income pattern etc etc. Happy to talk to you at your convenience not a 9 to 5 man.
We are very much satisfied with Doctors Mortgage. Posted on David is an exceptional mortgage broker.
The whole process was smooth from the start to the end. This was surprising for us, as we thought the process would be significantly more complex; thankfully David made everything simple!
Absolutely 100% would recommend! He has specialist knowledge of the industry that other mortgage brokers, or direct high street lenders, do not. Posted on David helped us get a mortgage rapidly and with complete clarity, when other mainstream brokers couldn't cope with a complex move from England to Scotland and multiple sources of income. Highly recommended! Posted on Verified by Trustindex Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

[H2] Words From Happy Doctors

Read some of our recent client experiences

[H3] Personalised service and accessibility was above and beyond
It’s not often I get animated about financial advice but I can honestly say that the service I have received from Doctors Mortgages has been outstanding. I imagine that our house purchase was on the more complicated end of the spectrum (at times looking impossible – agricultural restrictions, brine reports, inept solicitors, attempted gazumping, complicated… It’s not often I get animated about financial advice but I can honestly say that the service I have received from Doctors Mortgages has been outstanding.
I imagine that our house purchase was on the more complicated end of

[H1] Locum Doctor Mortgages

If you are thinking about getting a mortgage as a locum doctor or a doctor with multiple income sources we can help.

Quick and easy process

We take care of your application

20+ Years Experience

Connect with a Specialist

[H2] Whole of Market Access

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[H2] Locum Doctor Mortgages

[H3] Flexible mortgage solutions designed around the realities of locum income.

Locum doctors play a vital role across the NHS and private healthcare — but when it comes to getting a mortgage, the way you’re paid can make things more complicated than it needs to be.At Doctors Mortgages, we specialise in helping locum GPs, hospital doctors, and medical contractors secure competitive mortgage deals.Many mainstream lenders apply rigid affordability rules that don’t reflect the nature of medical work — which can lead to unnecessary declines or reduced borrowing amounts.Whether you’re paid through PAYE or work on a self-employed basis. Our in-depth understanding of medical income means we can present your case clearly to lenders who recognise the stability and professionalism behind your earnings.

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[H2] Why Locum Doctors Face Mortgage Challenges

Locum work provides flexibility and independence, but lenders often find it difficult to assess income that doesn’t fit a standard monthly salary pattern. Common challenges include:

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Variable or irregular income from month to month

Locum work often means your earnings fluctuate depending on shifts and availability. We work with lenders who take an average of your income — not just one payslip — to give a fairer reflection of your true affordability.

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Multiple income sources (hospital trusts, agencies, private work)

Whether you work through NHS staff banks, private clinics, or medical agencies, we can help you present all your income streams clearly so lenders see your full financial picture.

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Limited trading history if newly self-employed

If you’ve recently started locum work or have less than two years of accounts, we know which lenders can still consider your most recent 12 months’ income or even your current contract.

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Complex tax arrangements for limited company contractors

Many locum GPs and consultants work through limited companies. We understand how to structure your mortgage application using salary, dividends, or retained profits — and which lenders will accept each.

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[H2] How We Help

Our mortgage specialists work exclusively with doctors and healthcare professionals. We know which lenders will:Accept locum income from PAYE, agency, or self-employed work.Use average earnings or annualised income rather than just one payslip.Consider SA302s, accountants’ certificates, or limited company dividends for self-employed locums.Offer competitive rates and flexible underwriting criteria for medical professionals.

[H2] Words From Happy Doctors

Read some of our recent client experiences

David was an absolutely fantastic help during my first house buying experience!
Navigating house buying as a doctor seemed so complex - I'd heard that lots of lenders don't understand doctor salaries and payslips, but David had a firm understanding of how it works for us and was able to communicate with the mortgage provider to get us the best deal. He was also able to provide great advice regarding stamp duty and gifted deposits too.
Thanks to David's expertise, I didn't have to do much detailed research myself which was absolutely great whilst working a busy job with frequent night shifts!
Thanks David for all your help in making the process smooth and stress free! Couldn't recommend him more. Posted on David was absolutely fantastic. He was super knowledgable, proactive, efficient and such a lovely person to have supporting us through the process! He was so responsive and would walk us through everything so thoroughly, taking the time to answer even the smallest of questions (in my opinion, he goes above and beyond!). Honestly couldn't recommend him enough! Posted on I would highly recommend Doctors Mortgages! Knowledgeable, patient and very efficient. My journey buying a property was far from straightforward but throughout all the ups and downs, David was so patient and supportive. I honestly cannot fault him. Posted on David has helped us to secure the mortgage on our first property. He has been so helpful, with great advice about the mortgage and lots of other aspects of the buying process. He has been available for chats throughout the last few months, answering calls immediately, and responding to emails late into the evenings. Specifically taking into account our jobs and circumstances to find the simplest and best deal for us. Accounting for doctor contracts and fluctuant hours, which many providers cannot seem to cope with. David's advice saved us money, time and stress. We couldn't recommend him more highly, we shall go back to him once our first fixed term is over. Posted on David has provided possibly the best service we could have possibly asked for. He was immediately accessible, clear and answered all of our questions. He was supportive with out complex employment and financial situation.
When we needed to get a new mortgage in principle in the last minute, David got us one within the hour.
When we needed to last minute change solicitors he sorted it out without issue.
When our initial bank denied us a mortgage David got us a better deal with a new bank within the day.
I cannot recommend his services highly enough to all doctors looking for a mortgage broker Posted on David was extremely quick and provided me with tailored mortgage advice based on my job. Always available to speak to and made the whole process very easy and transparent. I would highly recommend Posted on David was easily approachable, knowledgeable and helpful throughout what would have otherwise been quite a stressful time. As a locum doctor, he made the process as straightforward as possible during a time in my career that has strange shift patterns. Thank you so much! Posted on David Marina is an absolutely amazing mortgage advisor. He knows and understands how things work for you , in my case he knows what shifts and your income pattern etc etc. Happy to talk to you at your convenience not a 9 to 5 man.
We are very much satisfied with Doctors Mortgage. Posted on David is an exceptional mortgage broker.
The whole process was smooth from the start to the end. This was surprising for us, as we thought the process would be significantly more complex; thankfully David made everything simple!
Absolutely 100% would recommend! He has specialist knowledge of the industry that other mortgage brokers, or direct high street lenders, do not. Posted on David helped us get a mortgage rapidly and with complete clarity, when other mainstream brokers couldn't cope with a complex move from England to Scotland and multiple sources of income. Highly recommended! Posted on Verified by Trustindex Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

[H2] If you’re a locum doctor — whether PAYE or self-employed — we can help you find the right mortgage to suit your career and lifestyle

We are experts in sourcing and arranging mortgages for doctors whatever stage you are at. We have an exceptional reputation for customer service. Deal with us and we’ll guide you through the mortgage application process from start to finish.

Get Started Online

[H2] Your in safe hands with us

At Doctors Mortgages, we understand that working as a locum can make securing a mortgage feel more complicated. As one of the UK’s leading specialist mortgage and insurance brokers for medical professionals, we provide mortgage advice for locum doctors that many high-street brokers simply can’t.With nearly 20 years of experience arranging mortgages for doctors, we’ve helped thousands of medical professionals—locums included—achieve their property goals. Because we work exclusively with the medical sector, we’ve built strong relationships with well-known banks and building societies, giving you access to lenders who truly understand the unique nature of locum work.Our advisers have expert knowledge of NHS contracts, doctors’ pay structures, GP earnings and the varied career paths junior doctors follow during and after the foundation programme.When it comes to locum income, we specialise in understanding both PAYE and self-employed locum arrangements. This means we can present your income accurately and confidently to lenders, increasing your chances of approval and securing the most competitive rates available.Whether your locum work is full-time, part-time, ad-hoc or mixed with salaried roles, we are ready to find a mortgage solution that fits your circumstances.

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[H2] Frequently Asked Locum Mortgage Questions

Find quick answers to common questions using our helpful FAQs.

Locum income includes any work you do outside of a permanent salaried post — this might be hospital staff-bank shifts, agency work, private clinic sessions or GP sessional work. We’ll work with lenders who understand this type of income and treat it fairly.
Yes — some lenders will accept weekly payslips if you’re on an agency or hospital staff bank PAYE contract. We can help you find lenders that may approve your application after just three months’ consecutive payslips.
If you’re self-employed (including via a limited company) then lenders will typically want to see at least one (often two) years’ accounts or SA302s. We know which lenders cater for company-contractor structures, dividends or retained profits, and can advise accordingly.
Not necessarily. Having multiple income streams (e.g., hospital trust, agency work, private sessions) is common for locums and can actually work in your favour — as long as you can provide clear documentation. We’ll help present your total earning picture to the lender to maximise your chances.
We’ve worked with lenders who are prepared to assess newer locum doctors by looking at recent proven income, contracts, or upcoming scheduled shifts. While a longer history always helps, it doesn’t automatically prevent you from obtaining a mortgage.

This depends on your income structure. You may need:Three months’ recent payslips (for weekly/hospital PAYE locums)Bank statements covering those payslipsSA302s or accountants’ certificates (for self-employed locums)Evidence of upcoming shifts or contractsProof of deposit, ID checks and standard mortgage paperworkWe’ll provide a bespoke checklist based on your circumstances.
Not inherently — many specialist lenders and brokers (such as us) recognise the locum doctor income model and treat it similarly to salaried income when properly presented. Our role is to secure you the most competitive rate by placing your case with the right lender for your situation.
Timescales are similar to standard mortgages once all documentation is in place. Because we’re specialists and used to locum income patterns, we can often expedite the application and ensure smoother processing than a generalist broker. That said, applying early and providing accurate information always helps speed things up.
That’s a typical scenario for many locums. Lenders we work with will often look at your average earnings over a period (e.g., last 12 months) rather than a single month’s figure. We’ll help you frame your income in the strongest possible way.There are however a small number of lenders who recognise the needs of professional mortgage applicants such as doctors. These lenders offer enhanced product ranges with sympathetic underwriting suited to the different types of employment a doctor may pursue.We believe doctors should always look to get the best mortgage deal and most medics will have no difficulty applying, but sometimes there is a compromise to be made between mortgage approval and getting the best mortgage deal on the market. For example junior doctors pay and short term contracts are widely misunderstood by the majority of mortgage lenders. Doctors should be prepared for a narrow range of options if they look to take out a mortgage early on in their career. As specialist mortgage brokers working solely on behalf of UK doctors our job is to help manage the expectations of our clients looking for a mortgage.
Simply fill out our online enquiry form (or call us on 0330 111 4081), and one of our specialist advisers for doctors will be in touch. We’ll assess your circumstances, explain the documentation needed, match you with the right lender, and guide you from application to completion.Mortgage approval as a doctor can be more difficult than it used to be. It’s more important than ever that doctors consider using the services of a professional mortgage broker. Their specialist knowledge to will match doctors mortgage requirements to a lender and make the whole process a lot easier.

[H1] Mortgages for Resident Doctors

Getting a mortgage as a resident doctor on a fixed term contract is possible and we can help you.

Quick and easy process

We take care of your application

20+ Years Experience

Connect with a Specialist

[H2] Whole of Market Access

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[H2] Resident Doctor Mortgage

[H3] Is is possible to get a mortgage as a Resident
Doctor?

Yes! Although applying for a mortgage as a foundation doctor or specialty trainee is not always as straightforward as you may think. Many resident doctors find they do not fit lender’s criteria if they want to use on-call allowance, weekend allowance or banding supplement.Our specialist mortgage advisers will source the best mortgage deals for you, and ensure you are not penalised or wasting your valuable time.Our in depth knowledge of lenders criteria and close relationships with underwriters will give resident doctors mortgage applications the best chance of success.

[H2] We can help all doctors looking for a mortgage

We are experts in sourcing and arranging mortgages for doctors whatever stage you are at. We have an exceptional reputation for customer service. Deal with us and we’ll guide you through the mortgage application process from start to finish.

Get Started Online

[H2] Real Doctors, Real Results

Read some of our recent client experiences

David was an absolutely fantastic help during my first house buying experience!
Navigating house buying as a doctor seemed so complex - I'd heard that lots of lenders don't understand doctor salaries and payslips, but David had a firm understanding of how it works for us and was able to communicate with the mortgage provider to get us the best deal. He was also able to provide great advice regarding stamp duty and gifted deposits too.
Thanks to David's expertise, I didn't have to do much detailed research myself which was absolutely great whilst working a busy job with frequent night shifts!
Thanks David for all your help in making the process smooth and stress free! Couldn't recommend him more. Posted on David was absolutely fantastic. He was super knowledgable, proactive, efficient and such a lovely person to have supporting us through the process! He was so responsive and would walk us through everything so thoroughly, taking the time to answer even the smallest of questions (in my opinion, he goes above and beyond!). Honestly couldn't recommend him enough! Posted on I would highly recommend Doctors Mortgages! Knowledgeable, patient and very efficient. My journey buying a property was far from straightforward but throughout all the ups and downs, David was so patient and supportive. I honestly cannot fault him. Posted on David has helped us to secure the mortgage on our first property. He has been so helpful, with great advice about the mortgage and lots of other aspects of the buying process. He has been available for chats throughout the last few months, answering calls immediately, and responding to emails late into the evenings. Specifically taking into account our jobs and circumstances to find the simplest and best deal for us. Accounting for doctor contracts and fluctuant hours, which many providers cannot seem to cope with. David's advice saved us money, time and stress. We couldn't recommend him more highly, we shall go back to him once our first fixed term is over. Posted on David has provided possibly the best service we could have possibly asked for. He was immediately accessible, clear and answered all of our questions. He was supportive with out complex employment and financial situation.
When we needed to get a new mortgage in principle in the last minute, David got us one within the hour.
When we needed to last minute change solicitors he sorted it out without issue.
When our initial bank denied us a mortgage David got us a better deal with a new bank within the day.
I cannot recommend his services highly enough to all doctors looking for a mortgage broker Posted on David was extremely quick and provided me with tailored mortgage advice based on my job. Always available to speak to and made the whole process very easy and transparent. I would highly recommend Posted on David was easily approachable, knowledgeable and helpful throughout what would have otherwise been quite a stressful time. As a locum doctor, he made the process as straightforward as possible during a time in my career that has strange shift patterns. Thank you so much! Posted on David Marina is an absolutely amazing mortgage advisor. He knows and understands how things work for you , in my case he knows what shifts and your income pattern etc etc. Happy to talk to you at your convenience not a 9 to 5 man.
We are very much satisfied with Doctors Mortgage. Posted on David is an exceptional mortgage broker.
The whole process was smooth from the start to the end. This was surprising for us, as we thought the process would be significantly more complex; thankfully David made everything simple!
Absolutely 100% would recommend! He has specialist knowledge of the industry that other mortgage brokers, or direct high street lenders, do not. Posted on David helped us get a mortgage rapidly and with complete clarity, when other mainstream brokers couldn't cope with a complex move from England to Scotland and multiple sources of income. Highly recommended! Posted on Verified by Trustindex Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

[H2] Your in safe hands with us

Get Started Online

[H1] Mortgages for GP Partners

Getting a mortgage as a new GP Partner is possible and we can help you even with no previous self employment history.

Quick and easy process

We take care of your application

20+ Years Experience

Connect with a Specialist

[H2] Whole of Market Access

[IMG: Mortgages for doctors]

[H2] Self employed GP partner mortgage

[H3] Recently self employed or a new GP Partner?

Applying for a new GP Partner mortgage without financial accounts can be tricky but it is possible with the right help.As a newly appointed GP partner, securing a mortgage may seem like a daunting task. However, by understanding your financial situation, researching your options, and working to secure the best rates, we can find a mortgage that is tailored to your needs.We have years of experience successfully arranging mortgages for GP’s from day one in the Partnership. Ask how we can help you.We specialise in mortgages for general practitioners and can help with new GP Partners looking for a mortgage and newly qualified or salaried GP’s.If you have joined a practice as a new GP Partner but don’t have a track record of self employment we can help.We can secure a mortgage offer even if you have no accounts and have been salaried in the past.

[H2] We can help all doctors looking for a mortgage

We are experts in sourcing and arranging mortgages for doctors whatever stage you are at. We have an exceptional reputation for customer service. Deal with us and we’ll guide you through the mortgage application process from start to finish.

Get Started Online

[H2] Words From Happy Doctors

Read some of our recent client experiences

David was an absolutely fantastic help during my first house buying experience!
Navigating house buying as a doctor seemed so complex - I'd heard that lots of lenders don't understand doctor salaries and payslips, but David had a firm understanding of how it works for us and was able to communicate with the mortgage provider to get us the best deal. He was also able to provide great advice regarding stamp duty and gifted deposits too.
Thanks to David's expertise, I didn't have to do much detailed research myself which was absolutely great whilst working a busy job with frequent night shifts!
Thanks David for all your help in making the process smooth and stress free! Couldn't recommend him more. Posted on David was absolutely fantastic. He was super knowledgable, proactive, efficient and such a lovely person to have supporting us through the process! He was so responsive and would walk us through everything so thoroughly, taking the time to answer even the smallest of questions (in my opinion, he goes above and beyond!). Honestly couldn't recommend him enough! Posted on I would highly recommend Doctors Mortgages! Knowledgeable, patient and very efficient. My journey buying a property was far from straightforward but throughout all the ups and downs, David was so patient and supportive. I honestly cannot fault him. Posted on David has helped us to secure the mortgage on our first property. He has been so helpful, with great advice about the mortgage and lots of other aspects of the buying process. He has been available for chats throughout the last few months, answering calls immediately, and responding to emails late into the evenings. Specifically taking into account our jobs and circumstances to find the simplest and best deal for us. Accounting for doctor contracts and fluctuant hours, which many providers cannot seem to cope with. David's advice saved us money, time and stress. We couldn't recommend him more highly, we shall go back to him once our first fixed term is over. Posted on David has provided possibly the best service we could have possibly asked for. He was immediately accessible, clear and answered all of our questions. He was supportive with out complex employment and financial situation.
When we needed to get a new mortgage in principle in the last minute, David got us one within the hour.
When we needed to last minute change solicitors he sorted it out without issue.
When our initial bank denied us a mortgage David got us a better deal with a new bank within the day.
I cannot recommend his services highly enough to all doctors looking for a mortgage broker Posted on David was extremely quick and provided me with tailored mortgage advice based on my job. Always available to speak to and made the whole process very easy and transparent. I would highly recommend Posted on David was easily approachable, knowledgeable and helpful throughout what would have otherwise been quite a stressful time. As a locum doctor, he made the process as straightforward as possible during a time in my career that has strange shift patterns. Thank you so much! Posted on David Marina is an absolutely amazing mortgage advisor. He knows and understands how things work for you , in my case he knows what shifts and your income pattern etc etc. Happy to talk to you at your convenience not a 9 to 5 man.
We are very much satisfied with Doctors Mortgage. Posted on David is an exceptional mortgage broker.
The whole process was smooth from the start to the end. This was surprising for us, as we thought the process would be significantly more complex; thankfully David made everything simple!
Absolutely 100% would recommend! He has specialist knowledge of the industry that other mortgage brokers, or direct high street lenders, do not. Posted on David helped us get a mortgage rapidly and with complete clarity, when other mainstream brokers couldn't cope with a complex move from England to Scotland and multiple sources of income. Highly recommended! Posted on Verified by Trustindex Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

[H2] Your in safe hands with us

Doctors Mortgages are one of the UK’s leading specialist Mortgage and Insurance Brokers. Our mortgage advice for doctors service can assist where others can’t.We have almost 20 years experience arranging mortgages for doctors and helping the achieve their property goals. As we only advise medical professionals we have built up an enviable network of contacts at well known banks and building societies. We are ready to offer a solution in most lending situations.Our mortgage advisers have knowledge of NHS contracts and doctors pay scales, General Practice earnings and career paths of junior doctors during and post foundation programme.If you are a hospital doctor at any level or a salaried GP or GP partner talk to us about your mortgage. We can help if you have additional allowances, locum income or banding on top of your basic salary.

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We are a specialist medical mortgage broker providing mortgages for doctors throughout the UK. We help junior doctors, GPs and locum doctors with tailored mortgage advice, income protection, life insurance and so much more.

[H4] Legals

Doctors Mortgages is a trading name of Doctors Mortgages Limited and is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 995281.

Registered in England and Wales No: 13452398. Registered Office: Doctors Mortgages, 19 Chessel Avenue, Bournemouth, England, BH5 1LQ

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[H2] Fee Free Remortgage Advice for Doctors

Switch for a better rate, raise funds, or change product — remortgage and product switch options tailored to doctors.

Whether you’re a junior doctor, GP partner, locum, consultant or private practitioner, reviewing your mortgage regularly can save you money and stress.At Doctors Mortgages, we help doctors remortgage or switch products with their existing lender, ensuring you get the most from your mortgage with minimal hassle.

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[H2] Why Remortgage - or Switch Product?

Remortgaging isn’t always about moving to a new lender. Sometimes the best move is simply to switch to a new product with your current lender — called a product transfer.Here’s how each route works for doctors: Switching product with your current lender (product transfer)Usually the quickest and easiest option — often no valuation or solicitor required.Ideal if your circumstances have changed (new contract, locum work, or self-employment) and you want to avoid a full reapplication.Lets you move to a new fixed, tracker, or offset deal without changing lender.May not always offer the lowest rate available on the open market — but avoids exit fees and paperwork. Remortgaging to a new lenderOpens up the full market of lenders, often unlocking lower rates or more flexible terms.Useful if you want to release equity, change your mortgage term, or borrow more.May involve valuation, legal work, and affordability checks — but can offer significant savings.Whether you switch product or remortgage, the goal is the same: a better deal that fits your financial and professional life as a doctor.

[H2] What makes remortgaging different for doctors?

Medical professionals often have complex income structures that standard lenders don’t always understand. We work with lenders who specialise in the medical sector and can assess your true affordability fairly.

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Salaried Doctors & Consultants

Strong, stable employment and NHS pension contributions are viewed positively.

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GP Partners & Self-Employed Doctors

Accounts or accountant references are key. Some specialist lenders accept one year’s figures, or less.

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Locums & Portfolio Doctors

Lenders who understand variable income can average earnings over 12–24 months or assess based on ongoing contracts.

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High-income Borrowers

Doctors often need larger loan sizes; we know which lenders are comfortable with higher loan-to-value ratios.

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[H2] When should you consider remortgaging or switching?

Your current fixed or tracker deal is ending within the next 3–6 months.Your current rate is above today’s market rates.You want to release equity for home improvements, investment, or family support.Your income structure has changed (e.g., locum to salaried, or increased earnings).You want to change mortgage type — e.g., fixed to offset.You simply want to switch to your lender’s latest product before rolling onto their variable rate.

[H2] The remortgage or product switch process

1

[H3] Initial review
We’ll discuss your goals: lower payments, equity release, or rate stability

2

[H3] Check your current deal
Identify early repayment charges or available product transfer rates

3

[H3] Affordability & lender match
We compare your current lender’s offers against whole-of-market options

4

[H3] Application
For product transfers, this is usually completed in minutes. Remortgages may require supporting documents

[H2] Why Choose us for your mortgage?

At Doctors Mortgages, we bring a level of expertise and understanding that sets us apart. As one of the UK’s leading mortgage specialists for medical professionals, our advice service delivers tailored solutions, even where others may struggle.With over 20 years of experience arranging fee-free mortgages exclusively for doctors, our advisers have built strong relationships with major banks and building societies. This allows us to navigate complex cases and secure competitive deals, even in challenging situations.We understand the unique financial landscape of medical careers. From NHS contracts and pay scales to locum income, banding, and GP earnings, we know how to present your case in the best possible light. Whether you’re a junior doctor, hospital consultant, salaried GP, or GP partner, we can help you find the right mortgage to match your goals.

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[H2] Free remortgage or product switch review for doctors

Tell us a little about your mortgage and goals — we’ll check both your lender’s internal offers and the wider market to find your best option

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[H2] FAQs — Remortgaging and product transfers for doctors

Contact us if you have a question about remortgaging as a medic

Remortgaging simply means switching your current mortgage to a new deal — either with your existing lender or a new one. Doctors often do this to secure a better rate, raise funds, or access more flexible terms.
A product transfer is when you stay with your existing lender but move onto a new rate. A remortgage is when you switch to a different lender entirely. Both can reduce your payments — the best option depends on your goals and income.
It’s best to start reviewing your options 3–6 months before your current deal ends. That gives you time to find a new product or lender before moving onto your lender’s higher standard variable rate (SVR).
Most doctors remortgage to secure a better interest rate, release equity, or borrow more for home improvements or professional projects.A product transfer, on the other hand, is ideal if you’re happy with your lender but want to lock in a new rate quickly and with minimal fuss.
Yes. Specialist lenders will consider your total income, including NHS salary, locum work, private practice, and consultancy income — even if your earnings vary month to month.

Usually yes. Most lenders allow product transfers without a full affordability reassessment, making it quick and easy to arrange.
Product transfers can complete in just a few days. Full remortgages typically take 4–8 weeks.
Absolutely. Many lenders understand the career path of medical professionals and will consider future earnings, even if you’re currently on a training or fixed-term NHS contract.
This depends on your income and lender criteria, but doctors can often borrow up to 5.5 times their annual income — and sometimes more — due to their strong earning potential.
A product transfer is usually fee-free and doesn’t involve new legal work or valuations.A full remortgage may include valuation fees, legal fees, or early repayment charges if you switch before your current deal ends — though many remortgage offers include free legals and valuations.

[H2] Not sure whether to stay or switch?

We’ll compare your current lender’s product transfer options against the best open-market remortgage deals, so you can see exactly which saves more — with full transparency.

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[H3] ? FCA-registered. Trusted by medical professionals across the UK.