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.

Kiran
Kiran
2024-01-15
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!
L Fowler
L Fowler
2024-01-04
Matthew and his team have gone above and beyond to help us with our mortgage. As first time buyers we decided to seek advice from a mortgage advisor. After having an offer accepted on a house we needed some support with the mortgage fairly quickly and Matthew managed to fit us in out of usual hours to suit us. We had a very detailed call with him and all our questions were answered. From this point onwards Kirsti managed our application and the whole process was fast and effortless as they managed everything. We made the best decision using Regal finance. If you choose to go with Regal you’ll be in good hands.
Jamie Wells
Jamie Wells
2024-01-04
I can’t recommend regal finance group enough. Kirsti and Matthew have been amazing. They are so quick to respond and the advice they give has been so helpful. Don’t hesitate to get in contact if you need a mortgage. Thanks Jamie and Lauren
Sam Powell
Sam Powell
2023-12-07
Excellent service and company
Erion Andoni
Erion Andoni
2023-10-10
I recently had the pleasure of working with Rick to secure a mortgage for my new home and a buy-to-let mortgage for my existing property. Rick's assistance was truly invaluable throughout the entire process. Rick effortlessly guided me through both processes, making sure every detail was covered. His commitment to assist and his availability and willingness to answer my questions, no matter how small was exemplary. Rick's expertise in mortgages was impressive. He made a complex process seem straightforward. I wholeheartedly recommend Rick as a mortgage broker. He is not only skilled but also genuinely cares about his clients' success.
Yolanda
Yolanda
2023-09-27
I did my due dilligence looking at various brokers and was pleased to have received excellent help and direction from the Regal Finance Group. From the lead advisor to the administration team we were kept updated and communication was steady. Our situation was not an easy one for the team but they persevered and assisted us well.
Peter Nelson
Peter Nelson
2023-08-22
We've had a great experience with Regal Finance Group both getting our mortgage initially and now re-mortgaging a few years later. Particulalry during the current turbulent market we really appreciated how calm they made us feel by presenting our options clearly and answering all of our questions. We'd highly recommend them, they have really taken the stress out of mortages!
samantha sothcott
samantha sothcott
2023-08-02
Matthew and Kirsti at Regal Finance have been absolutely brilliant through a difficult remortgage. Always available to talk through anything and explain processes when needed. I would definitely recommend their services and thank them for their guidance.
amy evans
amy evans
2023-08-01
Kirsti and Matt were super helpful and always at the end of the phone to explain everything in detail to me. They saved us a lot of money and had great contacts to use and everyone worked together really well to get it over the line in time. Would highly recommend
izzy P
izzy P
2023-06-15
Can not recommend enough! Matthew and his team gave me the most amazing support throughout my process. Buying a property for the first time can be daunting and Matthew gave me fantastic advice and talked me through everything in as much detail as I needed.

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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

    One

    Step 1

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

    Two

    Step 2

    Send us the documents we need.

    Three

    Step 3

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

    Got A Question? Get In Touch