Doctor Mortgages

At Regal, we specialise in finding products for professionals, including Doctors, so they can make the very most of their money with their mortgage.

As a doctor, getting a mortgage isn’t often an issue. Good salaries in a secure job is often a lender’s dream, so many doctors mortgages come with the best mortgage rates available.

However, the road to being a fully qualified, practicing doctor can be a long one in comparison to many other professions. The benefits of mortgages for doctors aren’t necessarily the same if you’re a junior or locum doctor, but there are still options available to you.

Locum Doctors

Locum doctors that typically fill in where there is a shortage may find it more difficult to get a mortgage. Similar to supply teachers, irregular working patterns can result in an irregular income, which makes it more complex for banks to make a lending decision. That said, if you can demonstrate that you’ve earned enough to be able to make consistent mortgage repayments, a lender may consider your application.

Junior Doctors

Junior doctors are often recently qualified doctors that are on a two-year training programme. As they are still within a foundation period and not yet granted full General Medical Council (GMC) membership, lenders may not consider their employment not permanent. In addition, if you are very newly qualified, lenders will want to see a history of income via payslips and bank statements, which you need to accumulate over time. Doctor mortgages are available to junior doctors, but it may be through a specialist lender.

Dan Churchouse
Dan Churchouse
We used Regal for our recently completed house purchase. The mortgage was a relatively complex arrangement given it consisted of two parts (a result of porting over the terms of an existing mortgage and adding additional debt on new terms) but Matthew Graves and Kirsti Newman were very clear in their articulation, making it easily digestible and allowing me to factor into monthly affordability. They were also speedy in their responses and clearly not biased to any one provider. I feel safe in the knowledge that I ended up with the best deal available and would highly recommend their services.
Taylor Joanne
Taylor Joanne
Excellent and professional service. Everything was handled and dealt with quickly.
Sue Vecchione
Sue Vecchione
Well worth the fee. Mortgage sorted in less than 48 hours. Fantastic service with great communication. Much recommended 😀
Harry Jackson
Harry Jackson
Matthew, Kirsti and Katie were all really helpful. Made sure that, as first time buyers, we understood everything that was going on and were always there to help if we needed them to. 100% would recommend you use them!
Michael Clarke
Michael Clarke
Karen and Kirsti have been invaluable in helping us through the mortgage application process for our first home. We would thoroughly recommend their services - it has saved us a lot of stress! Swift and considerate guidance and support throughout the process.
Ioana Tomut
Ioana Tomut
We have worked with Karen and are extremely happy with how she handled our account. This was the second time we have attempted to buy our first house and we have worked with another mortgage advisor before. While both were excellent in terms of service and communication, Karen's suggestions for solicitors and survey were significantly cheaper to what we were quoted last time. I greatly recommend them.
R Findlay
R Findlay
Thank you very much to Richard at Regal Finance for making our first home purchase run as smoothly as possible. Richard was available to provide us advice throughout the whole process and I would highly recommend using Richard at Regal Finance Group!
Sarah Carter
Sarah Carter
Absolutely brilliant! Alwasy go over and above and feel thoroughly looked after. Highly recommend.
Joe Alsford
Joe Alsford
I can not speak highly enough of the service I received from Richard Powers at Regal. Gave excellent clear advice, continually negotiating the best deal available. Went above and beyond, fantastic to have in your corner in what can be a stressful process!
Cannot recommend Regal Finance enough! Matthew and Kirsti were amazing and completely took the stress out of the process. They were always available to answer questions and guide us through everything. I found they had access to a wider range of products than other advisors I had used in the past. I will be recommending Regal Finance Group to everyone I know!


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    Temporary Contracts

    Similar to locum doctors and most other temporary contract positions, mortgages can be more difficult to get. It could be that you’re contracted for a prolonged period, which makes approval more likely. Even still, provided you can evidence sufficient, consistent income to cover would-be mortgage repayments, lenders will consider your application.

    Specialist lenders

    A common mistake people make is to only visit high street banks when looking for a mortgage, especially if their circumstances aren’t totally straight forward. Where standard banks create mortgage products for the masses, specialist lenders focus more on individual cases, which they’re more likely to approve. Independent mortgage brokers could help you find the best doctor mortgage rates available to you. That includes going through specialist lenders if your application is more complex.

    Get A Mortgage With Regal in 3 Easy Steps


    Step 1

    Complete an enquiry form and an advisor will call you back.


    Step 2

    Send us the documents we need.


    Step 3

    Receive a Decision in Principle from one of our lending panel.

    Got A Question? Get In Touch