Fee Free Mortgages for Doctors

Tailored Mortgage Solutions for GPs, Consultants & Locums

Whether you’re a junior doctor, GP, consultant, dentist, or locum, we understand the unique financial challenges and opportunities that come with your profession. Our expert advisors help doctors secure the most suitable mortgage deals – with less hassle and more confidence

Whole of Market Access

Mortgages for doctors

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.

Why Choose a Specialist Mortgage Broker for Doctors?

Medical professionals often face complexities that standard mortgage brokers don’t fully understand – from irregular income patterns and NHS contracts to locum work and private practice earnings.

We 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’re a 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.

Mortgages for Every Stage of Your Medical Career

We help doctors secure mortgages at all stages of their careers:

Resident & Foundation Year Doctors

• Mortgage options with low deposits • Consideration of future earning potential

GPs and Hospital Consultants

• Access to high-value mortgage deals • Advice on leveraging both NHS and private income

Locum & Self-Employed Doctors

• Lenders who understand irregular or contract-based income • Support with accounts and documentation

Medical Graduates & F3

• Options for doctors out of contract • Flexible underwriting for future income growth

Client Testimonials

Read some of our recent client experiences

Exceptional service, very efficient, approachable and knowledgeable

David took all of the stress out of arranging a mortgage. My wife and I were both at the point of starting new jobs (ST2 to ST3), new hospitals, different pay grades and also wanted to port an existing mortgage. We had initially approached some larger well mortgage broker/finance companies (the ones typically advertised in

Robin

Excellent Mortgage Service

I would highly recommend David Marina and Doctors Mortgages and am very grateful to the excellent service they have provided. David was instrumental in finding us a mortgage and worked extremely hard to overcome numerous hurdles and glitches along the way. Thank you so much for all your hard work David, we look forward to

Helen Brereton

They managed to track down much better mortgage offers for me

From my first contact with the staff of Doctors Mortgages, I found them to be personable, willing to go out of their way to help, and very knowledgeable. They managed to track down much better mortgage offers for me than any I found after hours of searching online and from other mortgage brokers, including London

Dr R Veale

David provided prompt and excellent…

David provided prompt and excellent advice regarding a slightly complex working arrangement which had recently changed. He was able to secure a good rate for house and buy-to-let.

Naveen Sharma

We are truly grateful for everything that you have done

Buying your first home during your final year at medical school, whilst sitting finals and going away on elective, was never going to be a stress free process! However, with David at the helm the transition from student living to moving onto the housing ladder was much smoother. David provides an exceptional service; he is

Dr S Serna and Mr P Hayes

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

Dr T Webster

We initially applied for a mortgage…

We initially applied for a mortgage through another broker on October 24th, but by the end of November, we received an offer that fell far short of what we needed. It was an extremely difficult and disheartening experience, especially as our seller grew increasingly frustrated with the delay and threatened to put the house back

Asif Iqbal

Excellent financial advisor

Dave provided excellent advice and helped me secure the best interest rate in the market at a very unpredictable time.

Ollie Baker

Wholeheartedly recommend

David Marina specialises in doctor mortgages, and our experience with him was nothing short of exceptional. From the start, he took the time to understand the unique financial situation as a new doctor embarking in a medical career in the NHS and worked diligently to secure a mortgage amount that aligned with our goals. The

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Mortgages for Doctors

As an independent mortgage adviser, 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.

income protection for medics

Self Employed GPs

Do you need help with your mortgage as a new self employed GP? We can help even if you don’t have any history of self employment or accounts. Our relationships with well known high street banks will ensure your mortgage application is approved quickly and easily. Find out the best rates and deals before you commit to an application.

Locum Doctor

Relax and let us take the hassle out of your self employed mortgage application. Our specialist doctors mortgage brokers are always available out of hours for any questions you may have. Talk to us about your mortgage application and find out how we can help even if you don’t have accounts. Self employed locum mortgages are available.

 

Junior Doctor

Newly qualified doctors can get a mortgage throughout their training programme. We are able to help junior doctors on fixed term contracts who may find lenders just don’t understand complex NHS payslips, rotations and career progression. Don’t get frustrated by the maze of lenders criteria, contact us today.

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

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Frequently Asked Mortgage Questions

Contact us if you have a question about getting a mortgage as a medic

❓What is a doctor mortgage?

A doctor mortgage is a specialist mortgage designed for medical professionals, including junior doctors, GPs, consultants, and locums. These products often come with flexible lending criteria, taking into account complex income structures such as NHS payslips, private practice income, and locum work.

❓Do doctors get better mortgage rates?

Doctors don’t always get lower interest rates, but many lenders offer exclusive deals and higher loan-to-value (LTV) ratios because of the profession’s stability and earning potential. Some lenders will consider doctors for up to 95% LTV, even without a full two-year employment history.

❓Can junior doctors get a mortgage?

Yes, junior doctors can get a mortgage, even during their foundation years. Lenders often consider future earning potential and will accept job offer letters, even before the doctor has started work.

❓Can I get a mortgage if I work locum shifts?

Yes, many specialist lenders accept income from locum work, especially if you’ve been working this way for at least 6–12 months. A specialist broker can help present your income in the best possible light.

❓Will a student loan affect my mortgage application?

Yes, but not significantly. Mortgage lenders typically factor in student loan repayments as part of your monthly outgoings, similar to other debts. It may reduce your affordability slightly but won’t usually prevent you from being approved.

❓How much can a doctor borrow for a mortgage?

Doctors can usually borrow 4.5 to 5.5 times their annual income, depending on their credit history, income type, and expenses. Some lenders offer enhanced multiples for doctors due to their strong career progression.

❓Do I need a deposit to get a doctor mortgage?

Yes, but some lenders offer up to 95% LTV mortgages, meaning you only need a 5% deposit. Larger deposits usually result in better interest rates.

❓Why should I use a mortgage broker for doctors?

Specialist brokers understand the unique financial situations of medical professionals—like variable income, training rotations, and new contracts. They can match you with lenders who offer bespoke criteria and exclusive deals not available on the high street.

❓Are there mortgages for newly qualified doctors?

Yes, newly qualified doctors can access mortgage products tailored to their career stage. Some lenders even accept employment contracts signed months before your start date, which helps doctors buy before they begin work.

❓How can I get a doctor mortgage?

You can apply through a specialist mortgage broker who understands the medical profession. At Doctors Mortgages, we’ll match you with the right lender based on your career stage and income type.

Let Us Take the Stress Out of Your Mortgage

With expert support, insider access to doctor-friendly lenders, and a deep understanding of your profession, we make getting a mortgage simple and stress-free.

🔒 FCA-registered. Trusted by medical professionals across the UK.