Medical & Health Mortgage 
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NHS Professionals
Mortgage advice for NHS nurses, doctors, midwives, radiographers and consultants, including how lenders treat your basic salary, allowances and overtime.
Medical & Health Mortgage
Mortgages Tailored for Doctors, NHS Staff & Dentists
Some lenders offer professional mortgages for doctors and dentists of up to 6 times income, subject to affordability. We help you find lenders that understand healthcare careers.
Core Specialist Niches
Main Healthcare Mortgage Services
We help you find lenders who understand NHS pay, locum work and dental income.
Locum Doctors
Some lenders consider locum income with as little as 3 months' history, while others ask for 6 or 12 months. We help you find one that fits your work history.
Dentists
For associates, practice owners and newly qualified dentists. Some lenders' professional mortgages include dentists, with up to 6 times income, subject to affordability.
TAILORED LENDING PRODUCTS
Specialized Medical Mortgages
Healthcare careers are unique. We help medical professionals across the UK find lenders whose criteria suit how they're paid.
Enhanced Income Multiples
Some lenders offer professional mortgages for qualified doctors and dentists, with income multiples of up to 6 times your income, subject to affordability.
Newly Qualified Professionals
Some professional mortgage ranges are aimed at newer professionals, for example those who qualified within the last ten years.
Lower Deposit Options
Some professional mortgage ranges lend up to 90% loan-to-value, subject to criteria such as a minimum income.
Combined Income
Have NHS salary, bank shifts and private work? Lenders treat each type of income differently, and some exclude certain bank work from their locum policies.
Locum Income
Some lenders average variable locum income over a period, and some count 60% of sustainable variable income for self-employed locums.
Dentists' Income
Since 6 April 2023, associate dentists are no longer automatically treated as self-employed, which affects how lenders assess their income.
Professional Representation
Who We Help in the Health Ecosystem
From foundation doctors to practice principals, we help healthcare professionals find lenders that understand how they're paid.
01
Hospital Doctors & Consultants
We help you understand how lenders treat your basic salary, allowances and any private practice income.
02
GPs & Salaried Practitioners
Salaried GPs and GP partners, whose income lenders assess in different ways.
03
Locum & Agency Clinicians
Lenders' locum criteria vary, from around 3 months' history at some to 6 or 12 months at others.
04
Dentists & Allied Health
Associates, principals and allied professionals with mixed NHS and private income.
How It Works
Straightforward Journey To Your Mortgage
From your first conversation to completion, we're with you every step.
- 01
Free Consultation
A no-obligation call with a dedicated specialist adviser to understand your situation and goals.
- 02
Income Assessment
We analyse your contract, accounts, and earnings to establish your maximum borrowing power.
- 03
Whole Market Search
We search 90+ lenders including specialist contractors and professionals to find your best rate.
- 04
Mortgage Application
We handle the entire application, liaising with lenders, solicitors, and surveyors on your behalf.
- 05
Mortgage Offer
Receive your formal mortgage offer — typically within 2–8 weeks of application submission.
The MortgageTek Distinction
Why Choose Us for Medical Mortgages?
Mortgage-Tek brings specialist knowledge of healthcare careers and access to lenders that understand medical income.
Specialist Lenders
Access to high street banks, building societies and specialist lenders, including those with professional mortgage ranges for doctors and dentists.
Clear Advice
We explain how lenders are likely to assess your income before you apply, so you know where you stand.
One Point of Contact
Your adviser keeps you updated from your first call through to completion.
Clear Fees
A free initial consultation with no obligation. We explain any fees clearly before you decide to go ahead.
Well-Prepared Applications
We help you gather the right documents up front, so your application isn't held up by missing paperwork.
Authorised by the FCA
MortgageTek is authorised and regulated by the Financial Conduct Authority (FCA reg. 788950).
CLINICAL BUYER CHECKLIST
What You Should Know Before You Buy
Here are 8 things healthcare professionals should know before applying for a mortgage.
Professional Mortgages
Some lenders offer professional mortgages for doctors and dentists, with up to 6 times income, subject to affordability.
Locum History
Some lenders consider locum income with 3 months' history, while others ask for 6 or 12 months.
Salary Sacrifice
Salary sacrifice for a pension, childcare or a car lowers the pay on your payslip, so let your adviser know about any schemes you're in.
Newly Qualified
Some professional mortgage ranges are for those who qualified within the last ten years, as long as you're registered and practising.
Bank Shifts & Overtime
Lenders treat bank shifts, overtime and allowances differently, and some exclude certain bank work from their locum policies.
Recent Bank Statements
Lenders review your recent bank statements, so avoid unarranged overdrafts and missed payments in the months before you apply.
Your Deposit
Some professional mortgage ranges lend up to 90% loan-to-value, with minimum incomes such as £35,000 for a single applicant.
Multiple Income Sources
Have NHS salary plus private or medico-legal income? Lenders assess employed and self-employed income in different ways.
Contact us
Talk to our Mortgage Experts
Have a question about rates, pre-approval, or the buying process? We're here to make the mortgage side of things simple and stress-free. Drop us a line today.
Get Your Free Mortgage Consultation
Speak to a specialist mortgage adviser today
FAQ
Common Questions
Everything you need to know about getting a mortgage as a healthcare professional.
How much can I borrow as a doctor or dentist?
Some lenders offer professional mortgages for doctors and dentists of up to 6 times your income, subject to affordability. The exact figure depends on your income, commitments and the lender's criteria, which we can go through in a free consultation.
Can I get a mortgage as a locum or self-employed clinician?
Yes. Several lenders publish criteria for locum doctors. Some consider 3 months' locum income, others 6 or 12 months, and some count only part of variable income, such as 60% for self-employed locums. If you're self-employed, many lenders want 2 years' figures, while some will consider 12 months.
Do you help newly qualified professionals?
Yes. Some professional mortgage ranges are aimed at newer professionals, for example those who qualified within the last ten years. Lenders typically require you to be fully qualified, registered with the appropriate UK professional body and practising.
What deposit do I need?
It depends on the lender and your circumstances. Some professional mortgage ranges lend up to 90% loan-to-value, with minimum incomes such as £35,000 for a single applicant or £50,000 for joint applicants.
Are you regulated, and what will it cost?
MortgageTek is authorised and regulated by the Financial Conduct Authority (FCA reg. 788950). We explain any fees clearly before you decide to go ahead.