{"id":12294,"date":"2023-02-22T13:24:36","date_gmt":"2023-02-22T05:24:36","guid":{"rendered":"https:\/\/www.dev.articusfinance.com\/mortgages-for-doctors"},"modified":"2023-09-15T14:56:36","modified_gmt":"2023-09-15T06:56:36","slug":"mortgages-for-doctors","status":"publish","type":"page","link":"https:\/\/backup.articusfinance.com\/sg\/mortgages-for-doctors","title":{"rendered":"Mortgages for Doctors"},"content":{"rendered":"\t\t
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Mortgages for Doctors<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Mortgages for Doctors<\/h2><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Are you a doctor looking for a mortgage? If you are an NHS doctor, then there are some lenders who offer special rates for doctors and the path to a mortgage can be relatively straightforward. However, if you are a locum or self-employed doctor, or a mixture of both, then things can become a little more complicated.\u00a0<\/p>

Of course, you may be a doctor who undertakes a combination of NHS based practice alongside locum or private work, meaning that your income can become more unpredictable. This results in a more complex source of income that may not necessarily meet the requirements of a standard mortgage application.<\/p>

What is the best way to secure a mortgage for a doctor?<\/strong><\/h2>

As a doctor, lenders can be relatively generous in the terms that they offer and the loan to value ratio. Some lenders will offer NHS doctors a professional mortgage of up to 6 times their income. Complications arise when a doctor works privately, or has recently taken up a position as a practice partner – essentially meaning they are classified as self-employed.\u00a0<\/p>

Using a mortgage broker such as Articus Finance for your doctor mortgage is the best way to secure a mortgage on your terms, enabling you to negotiate the often arduous regulations and requirements of mortgage applications without the hassle.\u00a0<\/p>

Fortunately, we work with many specialist and private banks who often provide a better fit for the\u00a0 unique circumstances and income streams of a doctor. This, combined with our experience and ability to negotiate, will help you to secure a large mortgage at a great rate with minimal hassle.<\/p>

Do doctors get special mortgages?<\/strong><\/h2>

As a well respected profession with a solid income, high value mortgages with competitive rates for doctors can be achieved with the right broker. Even with complex income streams, doctors can still access the very best rates available.\u00a0<\/p>

In spite of the fact that many lenders will look to make a lending decision based on at least two years worth of accounts, some lenders will use other financial assessments as a basis for ratifying your application. They may look at the practice track record or make a lending decision based on what your predecessor made in the same role.<\/p>

A strong likelihood of high earnings will put you in a good position to access high value mortgages and ensure that you get your ideal property.<\/p>

Should you use a mortgage broker as a doctor?<\/strong><\/h2>

Securing a mortgage for doctors can be difficult, even if you have relative certainty over your potential income. Using a specialist mortgage broker for doctors can help the process to run smoothly, and we can also negotiate the best doctor mortgage deals on your behalf.<\/p>

Our brokers have many years experience in arranging mortgages for doctors, and are able to navigate the specific requirements of mortgage lenders.<\/p>

In addition to our strong relationships with the top private and specialist banks, we work with the utmost discretion and are well versed in dealing with doctors who will want to keep their income private. This means we\u2019re able to secure the best mortgages for doctors, whilst taking the stress away from you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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OVERCOMING THE CHALLENGES OF THE \u00a31 MILLION PLUS MORTGAGE<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Proven Expertise<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Our specialist mortgage brokers based in London are highly experienced in negotiating the best mortgages and mortgage rates, no matter how complex your situation.<\/p>

With over 20 years\u2019 combined experience sourcing the best mortgage deals for global clients, our brokers have the skills, knowledge, and lender relationships to turn your property aspirations into a reality. To find out how we do it, explore our case studies.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Related Services<\/span><\/h2><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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MORTGAGES FOR BARRISTERS\n<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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MORTGAGES FOR BANKERS\n<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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MORTGAGES FOR SOLICITORS\n<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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MORTGAGES FOR<\/br> DENTISTS\n<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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MILLION POUND MORTGAGES\n<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u00a3500,000 MORTGAGES\n<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Need Assistance ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Whether you\u2019d like to make a finance enquiry or simply have
a question about our services, we\u2019re on hand to help.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\u00a0\u00a0\u00a0<\/i> 020 8088 5465<\/a> |\u00a0 \u00a0\u00a0\u00a0<\/i>info@articusfinance.co.uk<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Mortgages for Doctors Send an Enquiry Mortgages for Doctors Are you a doctor looking for a mortgage? If you are an NHS doctor, then there are some lenders who offer special rates for doctors and the path to a mortgage can be relatively straightforward. However, if you are a locum or self-employed doctor, or a […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"class_list":["post-12294","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/backup.articusfinance.com\/sg\/wp-json\/wp\/v2\/pages\/12294","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/backup.articusfinance.com\/sg\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/backup.articusfinance.com\/sg\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/backup.articusfinance.com\/sg\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/backup.articusfinance.com\/sg\/wp-json\/wp\/v2\/comments?post=12294"}],"version-history":[{"count":1,"href":"https:\/\/backup.articusfinance.com\/sg\/wp-json\/wp\/v2\/pages\/12294\/revisions"}],"predecessor-version":[{"id":21385,"href":"https:\/\/backup.articusfinance.com\/sg\/wp-json\/wp\/v2\/pages\/12294\/revisions\/21385"}],"wp:attachment":[{"href":"https:\/\/backup.articusfinance.com\/sg\/wp-json\/wp\/v2\/media?parent=12294"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}