HEALTHCARE PROFESSIONALS
Tailored mortgages for healthcare professionals
Expert mortgage and protection advice for healthcare professionals.
Our dedicated and experienced team of high-calibre mortgage advisors understand the complex needs of GP’s, Doctors, Nurses, Dentists and many more.
We know how busy healthcare professionals can be, so we make the process as easy and as stress free as possible. With flexible appointment times, we can schedule calls for meetings for daytime, evenings, or weekends to work around your busy schedule.
Mortgages for healthcare professionals
- As healthcare professionals often have varied income streams, from locum work, shifts, or multiple contracts, many lenders now recognise these unique earning patterns. With the right guidance and documentation, it’s entirely possible to secure a competitive mortgage that reflects your true income.
- When you apply for a mortgage, the lender will conduct a thorough review to assess your ability to repay the loan. They’ll look at all sources of your income, your regular outgoings, and any existing debts to calculate what you can comfortably afford. Mortgage lenders will also check your credit history to understand your track record with borrowing and repayments.
- When assessing your various income types they’ll review key documents such as payslips, locum evidence, bank statements, tax returns for the self-employed, and proof of deposit.
The lender will also assess the property’s value and condition through a valuation to ensure it’s suitable security for the loan. This careful process helps ensure you’re matched with a mortgage that fits your circumstances and protects both you and the lender.
Securing a mortgage: Locum work
Locum work can be considered towards your mortgage application if you can prove to the lender that the income is regular and sustainable, typically evidenced through a P60 or payslips. Typically, the lender will take an average over the last few months or year.
For full-time locum workers, a mortgage lender will want to see a work history of 12 months to evidence the stability of the income, and your ability to comfortably repay the mortgage loan.
Our expert mortgage advisors will review your income, and will use our vast knowledge and expertise to help find the right mortgage product suitable for your specific circumstances whether you are part-time or full-time locum worker.
Secure your next mortgage with our trusted advice
Once our specialist mortgage advisors – experienced in handling all types of healthcare income – have thoroughly reviewed your application, we may recommend calculating your income using the traditional method if it opens up access to lenders with more competitive rates. We’re committed to guiding you through your choices and are always on hand to provide answers and support.
We offer a free of charge initial mortgage review and a low service fee. Then, £100 upon application and will only charge our broker fee of £480 once we have secured a formal mortgage offer for you.
Organise a free consultation
Leave us your details or give us a call on 0207 427 6067.
We look forward to speaking to you soon. We don’t use your details for marketing, only to get in touch and speak to you about your requirements.
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About Us
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