Mortgages for
Doctors

Mortgages for Doctors

Mortgages for Doctors - Mortgages for doctors are available for qualified, practising doctors in the United Kingdom. At Capital Fortune, mortgages for doctors are a specialist area. Doctors need to ensure that they are able to afford loan repayments before taking out mortgages. We understand that doctors may be in NHS practice or private practice, and may rely on earnings from being employed or self employed. Our brokers are able to help with this.

Doctors practising in the NHS are paid based on banded earnings and many lenders may categorise these earnings as non-guaranteed earnings, making it harder for doctors to secure mortgages for doctors. Our advisers understand this and are able to work with lenders and their underwriters to clarify the situation. We do this in a timely manner, because we understand that time is precious to doctors.

Doctors practising privately may be subject to the inefficiency of standard income multipliers, as they may not accurately reflect a doctor’s true potential income. We understand that many privately practising doctors have outstanding invoices to clients and insurance agencies, which can be a large part of a private doctor’s earnings.

At Capital Fortune, we consider mortgages for doctors a specialist area and offer a specialist service to suit. We understand that being a doctor is a highly stressful job and our advisers take care to remove as much stress as possible from applications for mortgages for doctors.

Capital Fortune, as a whole of market broker, is able to access mortgages for doctors that are not available from High Street lenders. We obtain the most suitable mortgage for you, complete the paperwork and keep you up to speed with the entire process. Once we have arranged you a mortgage, we will still keep you up to speed, and if necessary switch your mortgage to save you money. You need not worry, as we will do this in a hassle-free manner.

Call our mortgage broker team now on 0845 3 630 430 or complete the Mortgage Enquiry Online. As part of our service, we will call you back.

Contact Us

Capital Fortune
City Office

14 Nicholas Lane
London
EC4N 7BN

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The overall cost for comparison on residential mortgages is 4.5% APR. The actual rate available will depend on your personal circumstances.

There will be a fee for our mortgage advice, the precise amount will depend upon your circumstances but we estimate that it will be £995, payable £495 at the outset but refunded if your mortgage application is declined upon initial underwriting. The balance of our fee is typically paid on completion. Your fee will not be refunded should you withdraw from the process or not accept our recommendation. Ask your Advisor for confirmation of our fees which we will email to you in an Initial Disclosure Document (IDD). You can find further information on our Terms of Business here.

The Financial Services Authority does not regulate some forms of buy to let, commercial mortgages, secured loans, bridging finance, trusts and conveyancing.

Capital Fortune Ltd is an Appointed Representative of Pink Home Loans. Pink Home Loans is a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Services Authority. Capital FortuneLtd Registered office address: 14 Nicholas Lane, Bank, London, EC4N 7BN. Registered in England and Wales No. 05683249.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

The Financial Services Authority does not regulate some forms of buy to lets, commercial mortgages, secured loans, unsecured loans, bridging loans, trusts, overseas mortgages, conveyancing or debt management.