First time buyer mortgages from the medical professional experts
Our advisors understand the complex nature of healthcare incomes and how they can cause difficulties in getting the mortgage you want. We have trusted relationships with specialist healthcare lenders and access to exclusive deals. Our service is usually fee free so what do you have to lose?
35,000+mortgages placed
15,000+ satisfied clients
Highly Rated
First time buyers typically have a small deposit to put towards their first mortgage. The general rule of thumb when it comes to first time buyer mortgages is that the smaller your deposit, the higher the rate of interest you will be charged by the mortgage lender. The smallest deposit you can currently have to get a mortgage today is usually 5% of your property purchase price.
If you are just setting out on your property search, or are simply wanting to know how much you can borrow based on where you are in your medical career, then it pays to talk to a medical mortgage professional sooner rather than later.
If you are a junior doctor, a locum, GP or consultant we can help you when it comes to buying your first home. You don’t always need to be be at a certain point in your career before you can be considered for a first time buyer mortgage. In some cases, we can help secure a first time buyer mortgage for doctors who haven’t even begun a contracted placement yet, or who have only been a practice partner for a few months.
Our advisors can also give advice on and help you apply to the government’s ‘Help To Buy Scheme’, which can help doctors looking to buy a new build get a foot on the property ladder sooner.
Are you looking to buy a property for the first time?
Mortgage Enquiry Form
A real world mortgage case
Richard, GP, Cardiff
Why use Doctors Mortgages Online?
8 reasons why is makes sense to use Doctors Mortgages
Our Experience
We have more than 20 years of experience sourcing mortgages for doctors that work for them. Doctors often earn higher than the average worker, so you would think they would have no problem securing the funds to buy a property. High street banks don’t understand the complexity of the medical profession, which can result in delays and rejected mortgage applications. With us, it’s simple. We provide practical mortgage advice at any stage in their career, sourcing mortgage deals of up to 5.5 times your income.
Saves You Time
Our online mortgage broker service will do all the leg work for you. You provide us with the essential information, and we’ll do the rest, from filling out the forms and submitting the application. We’ll handle communication with the lender to secure a mortgage for doctors wherever they are.
Understanding Of Earnings Structure
Regular lenders make mortgages for doctors complicated. Our online mortgage brokers understand how you get paid and how your employment contracts work so you won’t get rejected due to misrepresentation.
Easy Application Process
Our brokers handle the entire application process, so you can rest easy.
100% Online Service
Unsociable working hours and fragmented shifts can make it harder for you to find time to research lenders. Our 100% online mortgage broker service works around your schedule, with all communication via email or phone. We will never request to see you face-to-face unless you want to, and we will only contact you when you are available.
A Personal Mortgage Advisor
Once we are in touch, you will be allocated your personal mortgage advisor to guide you through the process. A specialist in providing mortgage advice for doctors, they will arrange the paperwork and find the right lender to ensure that your funds arrive in time to exchange contracts.
Strong Relationships With Lenders
We’ve built up trusted relationships with bespoke lenders that are not on the high street, meaning we can access better mortgage rates than you could find yourself.
Fee Free
The online mortgage broker for doctors’ service we provide doesn’t require a fee unless your case is particularly complex. We work on a commission basis.
We can help you with all your mortgage and investment
needs at every stage of your financial journey
Our Process
We understand that you are a busy professional, so that’s why we keep our process as simple as one, two, three. Leave the process in our capable hands, and we’ll source you a bespoke mortgage deal that is tailored to fit you.
Here are our three steps:
Get in touch
Reach out via phone, email, or the contact form with your details, and we’ll arrange a time to discuss your requirements. We are available outside of traditional office hours and at weekends.
Initial Meeting
Over the phone or video call, we’ll gather all the information we need to find you the perfect mortgage. During this call, we’ll outline the process.
Review your options
We’ll get in touch to confirm your mortgage options and will handle the application right through to offer. Once the offer has been produced, we will talk you through the next steps and will be there to help you through too completion!
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