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Mortgages for Medical Professionals

Best Mortgage Rates

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Mortgages for Medical Professionals

    • 3.89% Initial
    • 5 year fixed
    • 5.9% APRC
    • Cashback Max £1,250
      Free Legals
      Free Valuation
    • Get quotes
    • 3.92% Initial
    • 5 year fixed
    • 6.7% APRC
    • Cashback Max £250
      Free Legals
      Free Valuation
    • Get quotes
    • 3.92% Initial
    • 5 year fixed
    • 6.4% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 3.94% Initial
    • 5 year fixed
    • 6.4% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 3.97% Initial
    • 5 year fixed
    • 6.5% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 3.98% Initial
    • 5 year fixed
    • 6% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 3.99% Initial
    • 5 year fixed
    • 6.5% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.00% Initial
    • 5 year fixed
    • 6.8% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.00% Initial
    • 5 year fixed
    • 5.9% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.00% Initial
    • 2 year fixed
    • 6.7% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes

Representative example based on a fixed rate mortgage

A mortgage of £375,000 payable over 20 years initially on a fixed rate for 5 years at 4.38% and then at the standard variable rate of 7.65% for the remaining 15 years would require 60 monthly payments of £2,351.88 and then 180 monthly payments of £2,899.55.

The total amount payable would be £663,156.80 which includes interest and product fees of £1,124.

The overall cost for comparison is 6.5% APRC representative.

Early repayment charges may apply.

Mortgages for Medical Professionals

Compare Mortgages for Medical Professionals

As a medical professional, getting a mortgage depends on your role and whether you work for the NHS or privately.

NHS mortgages

You may be eligible for low-cost home ownership schemes if you work in certain NHS roles. People permanently employed in the NHS may be eligible for such schemes:

  • Doctors' surgeries in the NHS

  • Dental practices operated by the NHS

  • NHS Direct

  • Primary care trusts in the NHS

  • Trusts that provide ambulance services for the NHS 

  • Trusts for mental health and social care under the NHS

  • Blood transfusion services are provided by the National Blood Transfusion Service 

These schemes are not usually available to doctors, dentists, domestic staff, or administrators. To qualify for these schemes, you must usually be a UK resident, have proof of employment, and have a good credit score.

GPs and locum doctors can get mortgages.

Obtaining a residential mortgage as a doctor can prove more difficult than you expected. After all, as an above-average earner, you should naturally be an appealing prospect to mortgage lenders.

Mortgage lenders may be put off by the irregular nature of some doctors' contracts, such as locum work or contract positions, even if you have an above-average income and a good deposit. Similarly, if you work in general practice, you may find it difficult to approach mainstream mortgage providers since, as a GP, you are technically self-employed.

You should seek a specialist lender to maximize your chances of getting a mortgage if you are self-employed. 

To investigate your finance options, call our broker team or fill in our call back form -  speak to our independent mortgage broker team who will be able to offer impartial advice or you can call us on 0117 403 3464

Mortgages for the Medical Profession Get Quotes
Mortgages for Medical Professionals Get Quotes