MORTGAGES FOR DOCTORS

NHS & Private Income

UK & Foreign Nationals

Newly Self Employed

Income Stretch Based on Potential

Locum and Fixed Term Contracts

STEP 1

Enquire online

 

STEP 2

Speak to an Advisor

 

STEP 3

Get a Mortgage

 

Mortgages for Doctors

Typically, the doctors we successfully assist tell us of the difficulty they have experienced in trying to arrange the most competitive mortgage finance. They know that a number of lenders are unfamiliar with the remuneration and banding structure of the profession particularly for those working in private practice as a freelance associate or business owner and those working in the NHS on a permanent or locum basis. They advise us of the added complexities when there is a combination of both public and private practice and look to us for an appropriate solution. Doctors requiring mortgages need to satisfy the mortgage lender that the loan is affordable, however, often doctors may need to rely upon both their employed income with their significant pay deductions and/or may need to rely on their private self-employed income. In these cases, gross earnings receipts, particularly when working on a contract or as an associate or business owner, may result in gross income being significantly higher than their net package and for a lender to consider net income alone becomes unfair.

“It was quite an easy decision to make….the run of the mill mortgage brokers really were not going to be able to help me on this one. I would recommend Capital Fortune to any one asking and I do so too.” J Crosby, London

Often doctors we help, express their frustration in finding an appropriate lender who fully understands their requirements or their occupation within the medical profession. They have usually undertaken their own detailed homework and are aware of the thousands of mortgages advertised nationally, the different comparison websites, direct lender deals and all the numerous brokers all stating they are best to help. They usually have seen the wide array of products and rates, but are concerned by all the additional charges made by lenders, increasing the overall costs on any mortgage deal. They usually have undertaken their own analysis of products but may need a little assistance and are sometimes left unsure how to conclude their mortgage search.

Doctors we help in similar situations, typically tell us of their annoyance at the range of different lending criteria and wish to understand whether they simply qualify for a specific deal. They just want the overall best mortgage but appreciate the risks in being declined by a lender. They usually have a healthy deposit for a purchase or significant equity to undertake a re-mortgage. They find it difficult to understand why many lenders may not consider their individual circumstances and they want to ensure when choosing a mortgage they get it absolutely right.

They may have spoken to a number of brokers without success, before making contact with us.

“Capital Fortune are a blessing...I feel like I’ve got the best rate on the market and a very personable and friendly service.” Reuben, London, SE27

We deal with a number of members of the medical profession including those who are both employed and self- employed. Many have indicated to us that they would be happy to provide personal testimonials to our service from fellow members of the profession, so feel free to ask your adviser to be put in contact. We have made mortgages for doctors a specialist area within the Company and as a doctor obtaining a mortgage you will receive our premier service.

Our doctor mortgage advice is based not only on knowing all the mainstream UK lender’s criteria but also our ability to access available private banking and bespoke lending solutions. Such lenders can often provide more competitive deals and are willing to take a more holistic approach to the finance rather than just relying on computers to make lending decisions.

As a comprehensive panel of lenders national mortgage broker we know our lenders and importantly understand the details of their lending criteria. Importantly, we appreciate the ambiguities and difficulties in obtaining finance and work independently for you, to provide an appropriate solution. We regularly assist clients with mainstream and more complex financial needs and we are a UK mortgage specialist.

Our Advisers will take you through all the options available and all the relevant fee structures. You can then decide whether we are right for you.  You can call us on our national number or a request a call back online, using the general enquiry form or call back request.

We understand the pressures of the profession and understand that when arranging a mortgage deal our doctor clients want to be sure in the knowledge that their mortgage will not only save them money, but also save them time and inconvenience.

All doctors, as part of or our Capital Fortune premier service can be dealt with over the telephone or visited at your place of work. We will strive to take the difficulty and time element out of the mortgage application. We will obtain all the necessary documentation from you after our first discussion and will avoid cascading you with a range of further information during the mortgage application. We will contact you via email, text message or mobile telephone at convenient times agreed by you.

Once the mortgage has completed, your mortgage and mortgage protection needs will be constantly reviewed and in the event that new products become available, we will look to continually switch you to those products in order to increase the savings in a hassle free manner.

“They arranged a re-mortgage for us…. which was unusual and certainly must have been difficult. It went through smoothly, more smoothly than any other mortgage I've taken out.” RH, London

We have been voted the Overall Adviser of the Year for the largest UK mortgage and protection network, two years in a row and have recently won a national industry award for Excellence in Treating Customers Fairly. A number of our clients watched us on BBC TV Newsnight and supported our shortlist nomination for Best Broker Prime and Best UK Mortgage Adviser at the prestigious Money Marketing Financial Services Awards and British Mortgage Awards respectively.

For help and assistance, call us today on 020 77 100 400 to speak to one of our Mortgage Advisers.

STEP 1: Online Enquiry

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