Finding a Mortgage for UK Doctors

UK mortgage lenders often provide favourable rates for medical professionals as low-risk applicants with significant job security. Uncover all you need to know about applying for a doctor's mortgage.

About your mortgage

Error: Yearly income income must be between £1 and £10,000,000.

Error: Regular bonus must be between £1 and £10,000,000.

Based on your yearly income, you may be able to borrow:


Most lenders will let you borrow 4.5 times your annual salary so, as long as you have a standard 10% deposit, you should be able to borrow this much.


Depending on your personal circumstances, some lenders may let you borrow 5 times your salary.


Lenders usually cap the amount they lend at 5.5 times your salary, so it’s unlikely you’ll be able to borrow more than this.

This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Revolution brokers to see what options are available.

Finding a Mortgage for UK Doctors

Medical professionals and doctors can find the mortgage sector challenging, with variable contract structures, different levels of qualification and newly qualified applicants needing to navigate the criteria of mainstream lenders that don't accommodate their working circumstances.

Here we will run through the different types of mortgages for UK doctors and medical personnel, and how to find the best deal for your property purchase.

Whether you are a locum doctor, a junior, or self-employed, there is competitive mortgage lending available. Give the Revolution Brokers team a call to learn more, on 0330 304 3040 or via email at

Can I Get a Mortgage as a Newly Qualified Doctor?

Yes, by using a specialist lender, you can apply for a mortgage even if you have just started work, or haven't yet taken up a post.

Provided you are due to start a role within the next six months, then you can apply to a niche mortgage provider, without having to wait until you have been in employment for at least three months.

What is a Locum Mortgage?

Locum doctors and nurses often work flexible and highly variable working patterns. This can apply to professionals working in a dual role, and those with changing shift patterns, gaps in employment, or changing hours.

In this scenario, you can use your average income as a basis to demonstrate mortgage affordability and should contact an experienced broker for support with the application process and negotiating lending terms.

Can I Get a Mortgage as a Trainee Doctor or a Junior Medical Professional?

Many juniors and trainees earn very little, particularly when compared to fully qualified doctors.

However, your trainee status means that you have a viable employment pathway, and so mortgage lenders can agree to lend, based on projected income once you reach the end of your current training route.

How Can I Get a Mortgage as a Doctor on a Temporary Contract?

If you are working on a fixed-term or temporary contract, you might find that a high street lender is unable to accept a mortgage application.

In this situation, a specialist lender is ideal since they can consider applicants provided you have at least two months left to run on the existing contract.

Where the contract has already been renewed before, or you have a reasonable basis for anticipating taking up a new contract when the current one ends, you can negotiate more competitive rates through an experienced UK broker.

Are There Mortgages Available for Self-employed Doctors?

Many professionals in the UK are self-employed, which is common in private healthcare and the dental profession.

In many cases, a mainstream provider will need to see at least two to three years of tax returns or verified accounts.

Specialist lenders are more flexible and can offer lending to self-employed doctors with only one year of income verification.

Another option is to consider a Day One Mortgage. If you are self-employed and do not have a long trading history, contact Revolution Brokers on 0330 304 3040 for further advice.

How Can I Get a Mortgage if I am Newly Self-Employed as a Practice Principal?

Outside of the medical profession, if you are newly self-employed with no income history, it is almost impossible to find a mortgage lender who will accept your application.

However, lenders with experience in the medical sector will be able to help, by anticipating your income based on the history of the practice.

Professional Mortgage Advice for Medical Professionals

Whether you need to apply for a mortgage, want to compare market rates, or are considering your borrowing options, contact the mortgage advisors steam today.

With years of experience in negotiating lending for medical professionals, we offer an independent, whole-of-market approach with the leverage to help you find advantageous deals, even in unusual working circumstances.

Call the team on 0330 304 3040 or email us at to arrange a convenient time to talk.

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature. We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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Revolution Brokers understands that mortgages can be complex and confusing!

Ask us any question you might have, and one of our skilled consultants will come back to you as quickly as possible.