The Go-To Mortgage Broker for Doctors

Our specialty lies in providing tailor-made mortgage solutions for loans over £1 million. Our success is underpinned by our established relationships with private banks, mainstream banks, and specialist lenders. We pride ourselves on our personalised approach, understanding our clients’ unique profiles to match them with the right financial institution.  Our longstanding industry connections often enable us to unlock exclusive deals that transcend typical lending criteria. Clients looking for an expert mortgage broker value our proficiency and dedication to securing the best loan terms.

We thrive on sourcing unconventional mortgages, be it for non-standard property types, self-employment income, or foreign income sources. Mortgages are multifaceted, demanding a deep understanding of the market and strong banking relationships to secure the best deals. As a specialist in complex mortgages, we offer the expert knowledge and professional relationships essential to navigate these challenging scenarios. If there is a solution available for your complex mortgage needs, we will find it.

Our experience spans across a variety of asset classes and client types. From individuals looking to buy their trading premises to large organisations refinancing their commercial real estate portfolios.  We often engage multiple lenders simultaneously, presenting each deal with complete transparency.  As lenders are aware that they are in a competitive tendering process, we encourage the provision of the best possible rates. Our partners experience the difference that our client-centred approach makes in their commercial and real estate financing.

Navigating the complexities of buy to let mortgages can be demanding, particularly when faced with portfolio landlord criteria or seeking financing for an HMO or multi-unit block. As regulations for BTL Mortgages become increasingly complex, it’s more important than ever to have an expert broker to guide you through the diverse criteria on stress tests, property types, and portfolio restrictions. We demystify the complexities of BTL mortgages. We specialise in securing portfolio loans from multiple lenders, resulting in lower rates and higher leveraging.

Business owners encounter distinct challenges when pursuing mortgages, including the need to substantiate income and demonstrate stability. Our tailored mortgage solutions reflect the unique income structures of business owners. Traditional lenders tend to calculate their loan offers based on historical dividends, potentially underestimating the business owner’s real income. By partnering with us, you can take advantage of our expertise in sourcing mortgages designed for business owners. We carefully assess your income, liaising with lenders who consider your profit share, the latest year’s profit, or pre-tax profits to maximise your borrowing potential.

Sourcing the best bridging or development terms requires industry knowledge and expertise. Our team excels in sourcing deals for both non-experienced developers and seasoned professionals. We have access to low-rate bridging loans through strategic partnerships with building societies and private banks. Moreover, we specialise in arranging high-value self-build mortgages, ensuring that your financing needs are met throughout the entire development process. With our guidance, you can embark on your projects with confidence, secure in the knowledge that we will procure the most favourable rates and terms available.

Yes. Many of our doctor clients are on fixed-term training contracts — as foundation doctors, specialty trainees or in research posts. Standard lenders often see short-term contracts as a job security risk. Specialist professional lenders understand that training contracts are the normal structure for early-career NHS doctors and are comfortable lending against them, particularly where a confirmed next contract or letter of appointment is available. We know which lenders take this approach.

GP income is assessed differently depending on how you are paid. For employed GPs (salaried GPs in a practice), assessment is similar to any other employed professional — salary-based with standard income multiples. For GP partners, lenders typically look at the last two years of practice accounts and your share of the net profit. Some will use the more recent year alone if profits have grown. We identify the most appropriate lender for your specific GP income structure before submitting any application.

Yes. We work with lenders who can assess both NHS and private income together. Private practice income is typically evidenced by your most recent one or two years of tax returns and accountant-certified accounts. NHS income is evidenced by payslips and your employment contract. Combined income calculations are common for consultants, GPs with private sessions, and locum doctors who balance NHS and private commitments. We will tell you the maximum we can use from each source

Yes, and this is a scenario we arrange regularly. For newly qualified doctors about to start their foundation year, a signed foundation offer letter from the NHS can be used as the basis for a mortgage application — you do not necessarily need to have started work or received your first payslip. For doctors moving to a new training post or consultant role, a confirmed appointment letter is often sufficient. We will assess your specific situation and confirm which lenders are appropriate before you apply.

Your Plan 1 or Plan 2 student loan repayments are treated as a monthly financial commitment by lenders, which reduces the maximum you can borrow by reducing your disposable income. Specialist professional lenders do take a more holistic view of your borrowing potential, but the monthly repayment still factors in. We can give you a realistic figure at the first conversation.

Yes. Locum income is treated as variable, which creates challenges for standard mortgage applications. We work with lenders who will assess locum income based on your last 12–24 months of earnings history, or your current booking schedule if you can demonstrate consistent income. If you work through a limited company or umbrella company, we understand how to present that income correctly to a lender. If you are switching from locum to a permanent post, we can help bridge the timing of your application.