Getting a mortgage can be difficult when your income doesn’t fit the typical mould, and for doctors, it rarely does. Long training periods, varied roles, and complex pay structures make the process more complicated than it should be. As a specialist mortgage broker for doctors, we understand the nuances of the medical sector and ensure you get the right support and solutions at every stage of your career.
We’re proud to officially be the number one mortgage broker for doctors in the South West for customer service, as well as the second best in the entire UK! Fingers crossed for one better next year 🤞
With access to more than 28,000 mortgage products from over 100 different lenders, we’ll be able to secure you an interest rate that keeps the most money possible where it belongs: in your pocket! 💷
We’ll support you with as much of the home buying process as we can by handling paperwork, recommending and dealing with solicitors, and even negotiating with estate agents on your behalf. 🏠
Because we always have your best interests at heart, you need to know that your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances.
The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.
Getting a mortgage as a doctor shouldn’t be this complicated. High levels of student debt, locum shifts, varying levels of income, and the mix of NHS and private work can all make lenders scratch their heads, even when your financial future is rock solid.
That’s where we come in.
As a specialist mortgage broker for doctors with access to over 100 lenders, we know exactly which ones truly understand the medical profession, and which ones will give you the competitive rates and flexible terms you’re after. We do all the legwork to make sure you don’t have to, matching you with the right lender from the very start.
The result? Far less hassle and stress for you over the next few months, and more money staying where it belongs: in your pocket.
As a doctor, you may be able to borrow significantly more than the average homebuyer thanks to a professional mortgage.
While standard mortgages typically let you borrow 4 to 4.5 times your income, a professional mortgage could allow you to borrow between 5 and 6 times your salary.
This is particularly valuable early in your career. If you’re a junior doctor, lenders will take future pay increases and job stability into account when determining your affordability meaning your earning potential, not just your current salary, works in your favour.
Some lenders will also offer better interest rates and reduced fees to professional borrowers, and may allow you to purchase a pre-owned property with as little as a 5% deposit.
To qualify, you’ll generally need a good credit score, to have qualified within the last 10 years, and to be registered with the appropriate UK professional body.
Absolutely amazing service from start to finish. They replied to every message so quickly and made the whole experience feel really personal. I originally found the whole process of getting a mortgage intimidating, but they made everything so easy to understand. Right up to the day of the sale, we received weekly email updates, which was incredibly reassuring. Truly outstanding service.
Adele Sanford
Home Mover
Louis goes above and beyond. He’s polite, patient and explain things clearly and concise. He provides reassurance, especially when you’re new to the process. He’s flexible and has worked around family to support meetings at times that suit us. Louis has helped us more than anyone else in our moving house journey and I could not recommend him enough! Thank you so much for all your support.
Molli Jones
Home Mover
I recently had the pleasure of working with Janek on the purchase of my first home. As a first-time buyer stepping into the unknown, I had many questions and Janek answered every single one clearly and patiently. Janek was incredibly supportive throughout the process, always willing to work around my busy schedule and never once making me feel rushed. He made the whole experience far less stressful than I expected.
Jack Tucker
First-Time Buyer
I would highly highly recommend The Levels and will be recommending to anyone I know in the future! I feel so thankful and lucky that Nikki was my mortgage advisor, I couldn’t have asked for anyone more better! Nikki provided me with a lot of support and always kept me updated all the way through my application. Nikki was extremely patient with me and made sure I was financially stable before I agreed to anything.
Yasmin Knott
First-Time Buyer
The levels were professional, responsive and I trusted them completely to guide me to make the best decision for myself. I will highly recommend them to anyone looking for help with a mortgage. I cannot praise Luke enough, he was friendly, excellent at communicating and made me feel at ease throughout the whole experience. Luke was always at the end of the phone and the Teams calls we had felt relaxed, productive and informative.
Kate New
Home Mover
We don’t hire brokers based on how much they can earn us. They’re chosen because they genuinely understand the stress people can experience when making financial decisions and want to do everything in their power to take that stress off your shoulders.
It’s obviously easy for us to just say that but fortunately we can also prove it. Last year we were officially named the best mortgage broker for doctors in the South West for customer service and second best in the whole of the UK. And these aren’t awards handed out by stuffy judges picking their favourites, they’re decided entirely by rigorously verified reviews from real people who have used our services.
Everyone likes to know they’re getting the best deal, right? Nobody wants to be spending more than they should be. Well, with our vast network of lenders, we’ll secure you the most competitive rate for your situation so that you can keep more money in your pocket each month.
However, securing you a great rate now is just the start of our job. We’ll monitor your mortgage 24/7 throughout your entire fixed term and alert you the moment a better deal becomes available, so you’ll never stop saving as much money as you possibly can.
Book your free, no obligation chat with a specialist mortgage broker for doctors to talk through your options. We know life gets busy, so as well as standard working hours, we’re also available for evening and weekend appointment – whatever works best for you!
Whether you’re an FY1 buying your first home, an ST5 approaching consultant grade, a GP partner looking to invest in a buy to let, or a locum on flexible hours, we’ve got the expertise to get your application over the line.
Each scenario sits differently on a mortgage application and has a different list of suitable lenders, so a one-size-fits-all approach simply won’t work. That’s why working with a specialist mortgage broker for doctors is so crucial.
It always helps to know what to expect before you take the next step. So, with that being said, here’s exactly what to expect when securing your mortgage with us…
We’ll kick things off by introducing ourselves and walking you through exactly how we work and what you can expect from us. Then the focus shifts to you.
Then, the focus shifts to you: your situation, your goals, and what you’re looking to achieve. From there, we’ll paint a clear and honest picture of what it will take to make it happen.
This is where everything start to take shape.
We’ll come back to you with a clear, tailored plan, covering exactly how much you can borrow, the rates and monthly payments you can expect, and a full breakdown of any additional costs involved.
With your Mortgage in Principle in hand, you’ll now be ready to start viewing properties and making offers with complete confidence.
Once you’ve found your dream home and agreed a sale price, we’ll reconnect to finalise everything. We’ll revisit the numbers, make any necessary adjustments, and move forward with your full mortgage application.
We’ll also make sure you have a suitable solicitor in place and start looking at setting all the right insurances up.
Once your application is submitted, we don’t just step back and wait. We stay in close contact, track everything that needs to happen, and keep you updated every step of the way right up until the keys to your new home are in your hands.
Our job doesn’t end the moment you get the keys and finally sink into that new sofa with a well-earned takeaway and glass of prosecco in hand.
We’ll constantly monitor your mortgage and let you know if a better deal becomes available that will save you money. If you have any questions about your mortgage, we’ll always be just a call away.
Fed up of living under your parent’s roof or renting somewhere you can’t really call your own? Don’t know where to begin when it comes to getting on the property ladder? Don’t worry we’ve got you covered.
If, like most people, the idea of remortgaging makes you want to bury your head in the sand, there’s some good news as we’re here to make the entire process nice and easy.
Whether you’re upsizing for more space or downsizing for a simpler life, we’ll handle the mortgage side of things so you can focus on the exciting new chapter ahead rather than feeling stressed out.
Yes, as long as you can show a consistent track record. Lenders typically want 6–12 months of stable income, and payslips, bank statements, or tax returns all work as proof.
Lenders generally understand how doctors’ careers are structured, so fixed-term training contracts aren’t usually a problem. The key is showing a clear path of progression, and most lenders are happy to work with that. We will help you evidence that path to lenders.
Moving between hospitals is just part of life as a doctor, and most lenders understand that. What they’re really looking at is whether your income is consistent and your credit record is in good shape, not how many trusts you’ve worked across.
Two years is the usual benchmark, but it’s not a hard rule. If you were salaried before making the switch, some lenders are happy to work with just one year of self-employed income. You can learn more about self-employed mortgages here.
Still have questions?
Reach out to us anytime for assistance!
We’d recommend exploring our range of mortgage tools, including our Homebuying App and weekly email, both of which will support you along this exciting journey.
Learn all about how we can help protect your future home from unforeseen problems, such as being unable to pay your mortgage due to injury or illness keeping you off work.
