Healthcare Professionals

Mortgages for medical professionals

Doctors, dentists, nurses, pharmacists and other healthcare workers often earn more than standard affordability calculators suggest. We know which lenders offer enhanced borrowing for NHS and private medical professionals, and how to present complex medical income correctly.

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Get clear advice before you apply.

Tell us about your contract or income and we will explain lender options.

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We explain fees, risks and next steps before any application.

Your home may be repossessed if you do not keep up repayments on your mortgage. Some specialist or buy-to-let finance may not be regulated by the FCA.

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FCA Regulated

NHS pay specialists

Enhanced borrowing

Locum income

Why healthcare professionals need specialist advice

Medical income is rarely straightforward. Between basic salary, pay enhancements, unsocial hours, on-call payments, overtime and private practice earnings, no two professionals are paid the same way. Standard online calculators miss most of this additional income, giving you an artificially low borrowing figure.

Certain lenders actively want to lend to healthcare professionals and offer enhanced income multiples (up to 5.5 times) because of the job security and career progression that comes with medical roles. We know who they are and how to maximise what they will lend you.

Who we help

Doctors and consultants

From foundation year trainees to senior consultants, we understand NHS pay progression and can include pay enhancements, on-call payments and clinical excellence awards in your income. Some lenders offer up to 5.5x income for qualified doctors.

Dentists and dental practice owners

Whether you are an associate dentist earning a percentage of fees or a practice principal with business profits, we know how each lender assesses dental income. UDA-based earnings, private fee income and practice drawings are all handled differently.

Nurses and allied health

Band 5 to Band 8 nursing staff, physiotherapists, radiographers, pharmacists and paramedics. We include your basic pay, unsocial hours payments and any overtime that is contractual or can be evidenced over 3 months.

Locum and agency workers

If you work as a locum doctor, nurse or other agency professional, your income can look complex on paper. We know which lenders accept locum income and how many months of booking history they need to see.

Income we can include

Basic NHS salary
Pay enhancements and unsocial hours
On-call and overtime (contractual or evidenced)
Clinical excellence awards
Private practice earnings
Locum and agency income

Starting your career?

If you are in your foundation years or early in your training, some lenders will take into account your projected future earnings rather than just your current salary. This can make a significant difference to how much you can borrow for your first home.

Common questions

Do I get better rates?

Not directly, but by accessing enhanced income multiples you can often borrow more, which means the rate you pay is on a larger loan at a lower loan-to-value, which often results in a better rate anyway.

Can I use overtime?

Yes, if your overtime is contractual or can be evidenced through 3 to 6 months of payslips, most lenders will include it. This applies to night shifts, weekend supplements and on-call payments.

What about student debt?

NHS student loan repayments are treated differently by different lenders. Some ignore them entirely, others factor them in at a reduced rate. We know which approach each lender takes.

I am a locum, can I get a mortgage?

Yes. You will need 6 to 12 months of booking history from your agency. Some lenders average your income over that period, others annualise your current day rate. We match you with the right lender.

Other specialist professions

FCDO & Crown

Overseas postings and expat lending.

Sports

Variable income specialists.

Legal

Solicitors and barristers.

Veterinary

Practice owners and locums.