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Doctors & dentists · Fee-free advice

Mortgages for Doctors and Dentists

Rotations, fixed-term training contracts, locum work, private practice and associate income all affect how a lender reads your application. We know which lenders understand medical careers, and we present your income the way they need to see it, with fee-free, whole-of-market advice.

  • Junior doctors to consultants
  • Associate dentists and practice owners
  • Fee-free, whole-of-market advice

Your home may be repossessed if you do not keep up repayments on your mortgage.

We have a strong client base of doctors and dentists. Medical careers rarely follow the pattern lenders expect: training contracts end and renew, rotations move you between trusts, and locum, private and associate income can all be assessed differently. Knowing how each lender reads that income is what makes the difference.

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Mortgage advice tailored to your property plans, with 90+ lenders compared.

Junior and resident doctors

Foundation and specialty training often means fixed-term contracts and moves between trusts. Some lenders accept a training contract and a confirmed next post as stable employment, and some will take expected pay progression into account. Others are more cautious, so the choice of lender matters.

Consultants and salaried GPs

Basic NHS salary is usually straightforward. Additional programmed activities, on-call supplements and private practice income are treated differently by different lenders, and we check how each would count them before you apply.

GP partners and locum doctors

GP partners are usually assessed on their share of the practice profits. Locum doctors may be treated as self-employed or as limited company directors, and some lenders will look at your most recent earnings rather than an average of older years.

Associate dentists and practice owners

Most associate dentists are self-employed, so lenders normally ask for tax calculations and tax year overviews. A few lenders will consider newly qualified dentists with a short trading history. Practice owners are usually assessed on their share of the profits.

Enhanced income multiples

Some lenders offer higher income multiples to qualified doctors and dentists, subject to their criteria and to income and credit checks. That can increase what you may be able to borrow, but borrowing the maximum is not right for everyone, so we look at affordability as well as the loan size.

Protecting your income

Your ability to work is your biggest financial asset. Alongside your mortgage, we can advise on income protection, life cover and critical illness cover, as well as private medical insurance.

Appointments around your rota

Evening and early-morning appointments can be arranged for NHS shift workers, by phone, video or face to face. If you work in another NHS role, see our mortgages for NHS workers page, and for other professions, our mortgages for professionals page.

Medical income understoodRotations, locum work, private practice and associate income, presented the way lenders need to see them.
Whole of market, fee-freeWe compare lenders across the market, and our mortgage advice is fee-free.
Appointments around your rotaEvening and early-morning appointments by arrangement, by phone, video or face to face.
What our clients say

Rated by the people we have helped.

4.9 out of 5 from 70 Google reviews

Read all our Google reviews
  • “We’ve been using Ria and the team at PMS Mortgages for around a decade and we couldn’t be happier with the service we’ve received. They’re consistently professional, knowledgeable and a pleasure to deal with, making the whole process feel straightforward and well looked after. We’ve also found their mortgage options to be really competitive and we’ve always appreciated the care and support they provide. We’d happily recommend Ria and her team to anyone looking for mortgage advice and we’ll definitely be using them again for our upcoming renewal.”
    Ibrar UlhaqGoogle review · 2 weeks ago
  • “Ria has been absolutely fantastic as our mortgage adviser. She has helped us with multiple deals and has consistently gone above and beyond to make the whole process as smooth and stress-free as possible. Her knowledge, professionalism and communication are excellent. She is always available when we need advice, keeps us updated throughout, and works incredibly hard to get the best possible outcome. We have complete trust in Ria and would not hesitate to recommend her to anyone looking for a reliable, knowledgeable and genuinely caring mortgage adviser. Thank you, Ria, for all your hard work and continued support — you’ve been amazing! ⭐️⭐️⭐️⭐️⭐️”
    Satta PadhamGoogle review · a month ago
  • “Ria guided me through the process of achieving a larger LTV for my property purchase. In addition, she advised me to allow for an additional sum to cover house renovations and any unexpected costs, which was extremely helpful. Ria is friendly, approachable and highly knowledgeable. Her expertise and professional skills supported me throughout the entire process. The mortgage offer was received well within the timescales we had anticipated, and she was always willing to think outside the box and guide me through each stage of the journey. I found Ria incredibly helpful. She listened to my concerns and explained every aspect of the process in clear, easy-to-understand, manageable steps. What could have been a daunting and stressful experience was made much easier and well managed from start to finish. Ria’s professionalism, commitment and genuine care made a real difference. I would wholeheartedly recommend Ria to my family and friends without hesitation. If you are looking for a mortgage expert who is knowledgeable, committed and genuinely caring, I would highly recommend Ria and PMS.”
    Farah QadirGoogle review · a month ago
  • “I’ve been using Ria at Purley Mortgage Solutions for the past 10 years, and I genuinely couldn’t recommend her highly enough. She is absolutely fantastic at what she does. Ria is extremely knowledgeable, professional and reliable, and she always goes above and beyond to find the best mortgage solution for us. She explains everything clearly, keeps us updated throughout the whole process, and somehow manages to make what can be a stressful experience feel straightforward and easy. Over the years, we’ve always been able to rely on Ria for honest advice and excellent service. Her experience and dedication really show, and I wouldn’t consider using anyone else for our mortgage needs. Simply the best mortgage adviser we’ve dealt with. Highly recommended!”
    Omar ZuberiGoogle review · a month ago
  • “I had a fantastic experience with Ria from PMS Mortgage as a first-time buyer. She made the whole process so easy and stress-free, explained everything clearly and was always efficient with her replies. She managed to get me a really good rate and was always on hand to answer any questions. I can't recommend her highly enough”
    Sikander Ali ShahGoogle review · a month ago
Frequently asked questions

Doctor and dentist mortgage questions

A family unpacking cardboard boxes on the floor of their new home

  • Yes. Many lenders accept fixed-term training contracts, particularly with a history of renewals or a confirmed next post, and some will consider a move to a new trust. Criteria vary, so we check which lenders will accept your contract before you apply.

  • Some do, for qualified doctors and dentists who meet their criteria. It depends on your income, deposit, credit history and commitments, and borrowing more is not always right, so we look at affordability too.

  • It depends on how you work. Locum income may be assessed as self-employed or limited company income, and private practice income usually needs a track record. Some lenders accept a shorter history than others.

  • Possibly. Associate dentists are usually self-employed, and most lenders want one to two years of figures. A few lenders will consider newly qualified dentists with less history, subject to their criteria.

  • No. Our mortgage advice is fee-free. We are usually paid a commission by the lender when your mortgage completes, and we will tell you the amount before you proceed. Your first conversation with us is without obligation.

How It Works

How it works

  1. 01

    Tell us about your career

    Your role, grade and contract, any locum or private work, and your plans. We use it to see which lenders fit your situation.

    A clear picture of your income
  2. 02

    We compare the lenders

    We check how each lender treats your income and whether enhanced income multiples could apply to you, then recommend a suitable option.

    A recommendation that fits your career
  3. 03

    Apply with the right paperwork

    We tell you exactly which payslips, contracts or tax documents the lender needs, then submit and manage the application.

    Fewer questions from the lender
  4. 04

    Through to completion

    We keep in touch with the lender, solicitor and estate agent until you complete, and review your protection with you.

    Moving in with cover in place

Ready to take the first step?

Your initial consultation is without obligation. Speak with an adviser in Croydon or over Zoom.

020 8668 6080

Mortgage advice that understands medical careers. Fee-free.

Call us on 020 8668 6080