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Medical Mortgages

Whether your client works as a locum doctor, GP or has newly qualified and is about to start their career, we have a dedicated senior underwriting team to review medical professional cases.

We can review a newly qualified medical student’s offer letter confirming their start date and salary*

We only require 6 months proof of income for bank nurses*

We only require 6 months invoices/remittance slips and work off an average for locums*

We consider locum income, shift allowances, overtime, on call and weekend work – all at 100%*

The complexity of getting a mortgage if you’re a doctor, locum or GP can be far greater, medical professionals often have unique or complicated circumstances that can result in tricky or hard to place cases. Many lenders don’t have the underwriting flexibility to appreciate their different working patterns or varying income, despite them generally being high potential earners. 

We assess each case on its own merits, we are able to take a flexible and common sense approach to underwriting mortgages for medical professionals: – from junior doctors, locums and GPs.

We appreciate that the very nature of locum work, whether it’s exclusive or alongside an employed position, often involves irregular shifts, varying hours and sometimes gaps in employment. This can make it difficult for lenders to assess affordability and make the mortgage offer needed. We consider 100% of all employed income and 100% of locum income too (by taking an average of 6 months invoices) in determining affordability. We also consider shift allowances, overtime, on call and weekend work – all at 100%.

To find out how we can help call us now.

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Choosing the right mortgage for you can be really tricky. At ams: our expert advisers guide you through the process. Simply, efficiently and professionally.

Call now to speak with a mortgage advisor

0121 4000 052

As a guide, you could potentially borrow around:

The figure above is calculated based around current lender criteria and may not be representative of the actual figure you may be able to borrow.

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