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





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.
- Understand your income structure
- Access exclusive lender deals for doctors
- Handle complex applications smoothly
- Work with NHS, private, and locum professionals
- Support you from pre-approval to completion

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
Read more “Exceptional service, very efficient, approachable and knowledgeable”
Excellent Mortgage Service
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 working with you again when it comes to renegotiating our mortgage!
They managed to track down much better mortgage offers for me
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 and Country.
Throughout the process of arranging the mortgage they were waveringly approachable and helpful, and really could not have done more to smooth the hurdles thrown up by the mortgage company.
In short, I could not recommend Doctors Mortgages highly enough, have recommended them to my friends, and would not hesitate to use them again.
Read more “They managed to track down much better mortgage offers for me”
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.
We are truly grateful for everything that you have done
David provides an exceptional service; he is always available to answer any questions and solve any issues that pop up along the way. We are in no doubt that we would not have been able to move into our new home had it not been for David managing the whole process.
We would like to thank you for all your help and support over the past few months, we are truly grateful for everything that you have done. We will certainly be coming to you for further advice in the future and recommending you to our friends and family!
Thank you!
Read more “We are truly grateful for everything that you have done”
Personalised service and accessibility was above and beyond
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 mortgage arrangements, you name it).
David Marina’s personalised service and accessibility was above and beyond what I could have expected. I am without doubt that, were it not for their tireless work, I wouldn’t have been able to purchase our family home.
I’ve subsequently recommended Doctors Mortgages to countless friends and colleagues and I won’t hesitate to use their services when I renew my mortgage. I can’t recommend this service enough.
Read more “Personalised service and accessibility was above and beyond”
We initially applied for a mortgage…
A colleague then recommended David at Doctors Mortgages, and our experience with him was outstanding. David was incredibly knowledgeable, efficient, and accessible. He had a deep understanding of handling mortgages for complex income situations and assured us he could secure a deal within 10 days.
David also went above and beyond by communicating directly with the seller’s estate agent, persuading the seller to give us additional time. True to his word, our mortgage was approved within 10 days!
We will definitely be returning to David for any future mortgage needs and highly recommend him to anyone seeking expert mortgage advice.
Excellent financial advisor
Dave provided excellent advice and helped me secure the best interest rate in the market at a very unpredictable time.
Wholeheartedly recommend
One of the standout features of our experience was Davids in-depth knowledge of doctor mortgages. He was able to offer us options and guidance that was specific to the profession, ensuring that we got the best possible terms and rates. This expertise instilled confidence in us and reinforced the fact that we were in capable hands.
Overall, we were highly satisfied with the service provided by David. He exceeded our expectations in terms of professionalism, expertise, and personalised attention. The successful outcome of securing a mortgage amount we wanted only reaffirmed our confidence in his abilities.
We would wholeheartedly recommend David at Doctors Mortgages to anyone in the medical field at what ever stage in your career looking for a doctor mortgage. His specialised knowledge and dedication to client satisfaction make him a standout choice for healthcare professionals seeking tailored mortgage solutions. If you want a seamless and efficient experience with a mortgage broker who truly understands your needs, look no further than the one we had the pleasure of working with.
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.

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









Frequently Asked Mortgage Questions
Contact us if you have a question about getting a mortgage as a medic
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.