Mortgages for Medics

Our Mortgage Service for Medics

Special features of what we offer include:

• Whole of market service - we work with most UK lenders

• We work with lenders who will provide lending based on your employment as a medical doctor

• Access to leading market mortgage rates

• Access to exclusive loan deals not available on high street

• Fast turnaround - speak to us today if you need to move quickly

• We have lenders who will take into account previous defaults and missed payments 

• Looking to raise additional finance on top of your existing mortgage or buy to let mortgage? - we have access to a range of finance solutions

To investigate your mortgage options if you are a medic call our mortgage team on 0117 403 4474 or fill in our call back form.

"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support. 

As your mortgage is such an important transaction, good advice is imperative.

Compare Mortgages for Medics

Getting a mortgage as a medic will depend on whether you work for the NHS or are privately employed, as well as whether you are permanently employed full-time or are on a contract.

Key worker schemes for medics

Some medics may be eligible for key worker housing schemes, available to NHS medics in areas like doctors’ surgeries, dental practices, Primary Care Trusts (PCTs) and Ambulance Trusts. Although often open to nurses, these schemes do not usually apply to medics such as doctors or dentists, and are subject to other criteria such as excellent credit histories and fulfilling the necessary residency requirements.

Mortgages for medics – doctors and student doctors

If you are a doctor you may find that, although you have an above average income on paper, it can be harder to demonstrate these top potential mortgage lenders due to the vagaries of contract work, locum roles and private practice that may make up your career to date.

If you are a hospital doctor, for example, you will probably need to demonstrate your income based on both your basic pay and your on-call pay. Specialist mortgage providers will take this non-standard income stream into account when making mortgage lending decisions for medics.

If you are just starting out on your career as a medic you could find that, as a student doctor, you do not have a history of accounts. However, some mortgage lenders will take your future earnings as a doctor into account when deciding whether or not to offer you a mortgage deal.

If you are unsure about what mortgage product is suitable for you to speak to one of our mortgage advisers click here » or call our mortgage team on 0117 403 4474