Mortgages for Doctors

NHS & Private Income

UK & Foreign Nationals

Newly Self Employed

Income Stretch Based on Potential

Locum and Fixed Term Contracts


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Mortgages for Doctors

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.
Joe Crosby, Golders Green

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.

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