Just for Medics
The nature of your income as a doctor can change often in your career and this can make it difficult for inexperienced advisers to find mortgages to fit. Swapping between employed roles and self employed locum work, taking short fixed term contracts or becoming a partner in a surgery can make it tough to fit into lender's prescribed criteria. With a deep understanding of our medic clients we are able to liaise with banks and building societies to provide bespoke lending decisions that ensure you get the support you need.
Clients we support
GPs
GPs are uniquely situated, being both an independent contractor and a provider of NHS care. This can lead to issues when it comes to demonstrating their income.
Standard lending policy requires two years in a self employed role and as a newly appointed partner this may not possible to show.
We work with providers who understand the specific nature of GPs and can be flexible in their approach accordingly.
Junior Doctors
As a junior doctor you may have taken time off and recently returned to work. changed employer or taken a fixed term contract while waiting for a training post to become available.
Lenders will usually want to see a minimum of a year of employment on a fixed term basis or not look favourably on significant gaps in employment.
Locum Doctors
The flexibility and often irregular income that in inherent to locuming, can be a challenge when applying for mortgages. Inexperienced advisers and underwriters without knowledge of specific policy for medial professionals can find it difficult to pigeonhole clients into standard self employed or fixed term contract policy.
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We are able to source mortgages for clients with only a few months of locum experience.
Consultants
Although as a higher earner it may seems logical that it would easier to secure mortgage finance, issues can arise where consultants have multiple and inconsistent income streams of NHS and private work.
Some mortgage providers understand the nature of the profession and can be flexible in their approach when dealing with high net worth clients. We use relationships to ensure you are not pigeonholed and secure the lending you need.