Free guide · PDF · 12 pages
Professional Mortgages Guide
Doctors, dentists, solicitors and accountants: enhanced income multiples, early-career lending and partners’ income.
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Frequently
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Mortgages for NHS Workers
You care for us,We look after you.
NHS pay is rarely as simple as one salary. Overtime, bank shifts, unsocial hours payments, rotations between trusts and locum work all need presenting carefully. We know which lenders count more of your pay, and which offer enhanced terms to doctors and other healthcare professionals.
50% off our broker fee for NHS employees, as our thanks for everything you do.
How we help
We act for doctors at every stage of training, nurses, midwives, paramedics, allied health professionals and the many staff who keep the NHS running, with appointments arranged around your shifts.
01Overtime, bank and enhancements
Some lenders use overtime, bank shifts and unsocial hours payments in full, others only in part. We match you to lenders whose approach suits your pay pattern.
02Doctors in training
Rotating between trusts on fixed-term contracts is normal for doctors in training. Some lenders offer higher income multiples to doctors and accept rotational contracts without concern.
03Locum and private work
Locum shifts, agency work and private practice income can count with the right lender, alongside your NHS salary.
04Around your rota
Calls early, late or between shifts, and documents handled online, so nights and on-calls never hold things up.
Typical scenarios
Illustrative examples of the situations we are asked to help with. They are not accounts of individual clients.
Scenario 01A doctor rotating between trusts
A resident doctor is about to start a new rotation at another trust and wants to buy a first home.
We approach lenders that offer professional terms to doctors and accept rotational contracts, so the change of trust does not affect the application.Scenario 02A nurse with regular bank shifts
A staff nurse earns a significant share of their income from bank shifts on top of basic pay.
We find lenders who will include bank income with a short track record, increasing what they can borrow.Scenario 03A consultant with private practice
A consultant has an NHS salary and a growing private practice through a limited company.
We present both incomes together to lenders who understand medical careers, including any retained company profit.Frequently
asked questions
How does the 50% fee discount work?
NHS employees receive 50% off our standard broker fee. We will ask to see proof of employment, such as your NHS ID card or a recent payslip. The discount does not change any lender or legal fees.
Will lenders count my overtime and bank shifts?
Some will. Lenders differ on how much they count and how long a track record they need, so the choice of lender can make a large difference.
Are there special mortgages for doctors?
Some lenders offer higher income multiples to doctors and other professionals. Our Professional Mortgages Guide explains how they work.
I am on a fixed-term contract. Can I still get a mortgage?
Usually, yes. Many lenders accept fixed-term and rotational NHS contracts, particularly for doctors in training.
Can I buy through shared ownership?
Yes. Shared ownership is popular with NHS staff in London, and we arrange the mortgage on your share.
Related reading: Professional Mortgages Guide · Shared Ownership Guide · Mortgage calculators
Reviewed by Thomas Boughton CeMAP, November 2026.
Free guides
Higher income multiples for doctors and other professionals, buying your first home and shared ownership.
Free guide · PDF · 13 pages
First-Time Buyer’s Guide
From deposit to completion day: what lenders look at, what it really costs and how long each step takes.
Free guide · PDF · 12 pages
Shared Ownership Guide
Eligibility, the mortgage on your share, rent and service charges, staircasing to 100% and selling.
Arrange a consultation
Tell us where you are in your flying or seagoing career and what you would like to buy or refinance. The first conversation is without obligation.
Your home may be repossessed if you do not keep up repayments on your mortgage. Lending is subject to status, lender criteria and individual circumstances.