Mortgages for doctors, NHS and private practice.
Consultants with private practice, GP partners and locums often have income spread across several sources. We bring it together into one case that lenders and private banks recognise in full.
Loans from £500,000 · Whole of market including private banks · UK & international clients
Every income stream, counted
NHS salary, private practice through a limited company or LLP, clinical excellence awards and sessional work are often assessed separately, or partly ignored. Specialist medical underwriting looks at the whole picture.
- Enhanced multiples for qualified medical professionals
- Private practice income via limited company, LLP or sole trader
- Lending on a new consultant contract before start
- Interest-only and offset options for higher earners
Frequently asked
Can private practice income be used?
Yes. Many lenders will add private practice income to NHS salary, whether it is drawn as salary, dividends or partnership profit.
I am about to start a consultant post. Can I borrow now?
Several lenders will lend on a signed contract with a confirmed start date.
Do you charge a fee?
For UK residents, we do not typically charge a broker fee for first-time buyers or on loans over £1m. Any fee is agreed in writing before we start, and lender fees are set out clearly before you proceed.
Discuss your mortgage with a specialist
Tell us the outline of your purchase or refinance and we will come back with indicative terms. No call centre, no obligation.