Mortgages For Doctors

Are you in the medical profession in the UK looking for a mortgage and to embark on the journey of homeownership?

Clever Mortgages is now part of Oak Mortgages Limited.

Don’t worry, you’ll still be looked after by the same friendly, experienced team you know and trust. We’re here to guide you every step of the way on your mortgage journey.

👉 Discover more about us at www.oakmortgages.co.uk or see what our happy clients are saying on Google Reviews.

      EXCELLENT  
   Based on 88 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Zin Ameur 
 
 
 
 Trustindex verifies that the original source of the review is Google. Exceptional service from Vicki & the Oak Mortgages team, who were integral to ensuring I secured a competitive remortgage deal and took away the time burden in doing so, would highly recommend.
  
 
      Posted on Google  
   
   Major Tom 
 
 
 
 Trustindex verifies that the original source of the review is Google. Unexpectedly had to source a small mortgage to complete a house purchase. We contacted Oak Mortgages to explain we were under prepared to start mortgage applications but they put in alot of leg work and employed the full use of their team to source the best value, conditions and terms that fit our situation. Contact was prompt and informative, with all questions answered and investigated with patience and clarity. The team were very empathetic and took on a level of customer care I didn't expect from a mortgage broker. Whether it was over the phone or by email, all information was presented and explained in the best way for us to make an informed decision on what we were buying and agreeing to. The team continue to provide that care even after mortgage offer is accepted and purchases are complete, and I look forward to speaking to them again in the future as they monitor mortgage rates and endeavour to advise what are the best options available going forward.
  
 
      Posted on Google  
   
   Alex 
 
 
 
 Trustindex verifies that the original source of the review is Google. ⭐⭐⭐⭐⭐

Absolutely fantastic service from start to finish. They’re the only mortgage brokers I use, and for good reason. The level of service, professionalism and dedication is second to none.

Nothing is ever too much trouble, communication is excellent, and they’re always on hand to answer questions, explain the process and find the best possible solutions, even when things aren’t straightforward.

With multiple property investments, it’s important to have someone knowledgeable, reliable and proactive in your corner, and that’s exactly what you get.

I wouldn’t hesitate to recommend them to anyone looking for a mortgage, remortgage or property investment finance. They’ll certainly continue to be my go-to as I grow my property portfolio.

Highly recommended!
  
 
      Posted on Google  
   
   sunday ifenkwe 
 
 
 
 Trustindex verifies that the original source of the review is Google. They were very very professional and always willing and ready to respond to all my queries, guided me through this process simlessly.  I am happy I used their services.
I will also like to give a special appreciation to Vicki Redley she was very great and an amazing individual as she guided me all through the process.
  
 
      Posted on Google  
   
   Ifenkwe Grace 
 
 
 
 Trustindex verifies that the original source of the review is Google. Well so far the experience with you guys has been pretty great
  
 
      Posted on Google  
   
   Hannah Vivian 
 
 
 
 Trustindex verifies that the original source of the review is Google. Recently had Abby as our broker, who was super friendly and made the process smooth and easy. Thank you
  
 
      Posted on Google  
   
   Stephen Dowding 
 
 
 
 Trustindex verifies that the original source of the review is Google. My experience of Oak Mortgages has been unfailingly amazing. Abby is WONDERFUL at her job: super-kind, expert and patient and a huge credit to the company.
  
 
      Posted on Google  
   
   G S 
 
 
 
 Trustindex verifies that the original source of the review is Google. From the very first contact through (what was a complex and hugely frustrating conveyancing process), to the day of completion, Oak Mortgages were the shining light that got us through.

Sarah and her team were brilliant.

They were responsive, caring, empathetic, knowledgeable, professional, and human at each and every stage.

We are so grateful that we used Sarah and Oak Mortgages and highly recommend them to anyone wanting to guarantee that authentic, trustworthy approach from professionals who care.

A top class act - 5 ⭐️⭐️⭐️⭐️⭐️
  
 
      Posted on Google  
   
   DOBO and the Foodies 
 
 
 
 Trustindex verifies that the original source of the review is Google. Awesome service, helped me at every step on a journey I never thought at 50 I could make! Sarah is amazing available whenever I needed her highly recommend
  
 
      Posted on Google  
   
   Caoimhe Clarke 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thank you to Abby and the admin team at Oak Mortgages who have been fantastic in helping me secure a remortgage on my property. From my first phone call to Abby I was filled with confidence and the experience with the team was brilliant, especially when other companies involved were not so brilliant the Oak Mortgage team pulled out all the stops to make sure completion happened. I would highly recommend this company and will use their services in the future. Thank you again.
  
 
  
  
 
     Verified by Trustindex  Trustindex verified that these reviews were published on Oak Mortgages Ltd's Google Business Profile. Learn more

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Mortgages for doctors

Getting a mortgage for medical professionals including doctors, GPs, consultants and dentists can often struggle to get mortgage approval. This is because many high-street lenders are often cautious when providing mortgages for doctors, as many have a complex income structure or are in a contract-based role.

Getting a mortgage as a doctor

Despite being on good salaries, many doctors and medical professionals find it surprisingly difficult to secure a mortgage. As a doctor, you might not have conventional working patterns. You might also be required to regularly work overtime and as a result, your income might differ each month. Lenders often don’t realise the earning potential of a doctor because of this, frequently rejecting applications.

Other doctors who get mortgage approval are often not given the full amount that they should be able to borrow. This is due to high-street lenders not fully understanding how doctors working hours, pay packages and contracts work.

Contract based roles

Many doctors and medical professionals are in contract or locum roles. This also includes junior doctors who don’t yet have permanent employment contracts as part of their training. Many mortgage lenders consider any contract based jobs to be unsecure and therefore are less likely to approve your application.

Self-employed practitioners

If you’re a practice partner then you will be considered as self-employed. Getting a mortgage when self-employed is generally not easy, especially when using a lender or broker who doesn’t specialise in this area.

Mortgage approval for doctors

Proving to lenders that you have a sustainable, reliable job may be necessary if you’re a doctor looking for a mortgage. Your best chance at getting approval is if you select lender or mortgage broker who will consider your individual circumstances.

Other ways that can improve your chances of getting mortgage approval:

Save for a larger deposit

Applying with a larger deposit can considerably help to increase your chances of mortgage approval. If you’ve had experience with mortgage rejections then it might be a good idea to consider applying later on when you have saved more for a deposit and are looking to borrow less from a lender.

Use an accountant

If you have access to an accountant, they can help to increase your chances of approval, especially if you’re self-employed. An accountant will be able to help you get into a position where you’re more likely to get mortgage approval as they will have access to your accounts and be able to collect all the relevant documentation for you.

Check your credit score

Lenders will look at your credit before they consider anything else. Before applying you should make sure you do the same by checking your score with a credit company such as Experian or Check My File.

If you do have bad credit then as a specialist broker we can look into your individual circumstances and help source a suitable mortgage lender.

Mortgage application process

4 simple steps for applying for a mortgage. See more about the mortgage application process here

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Clever Mortgages is now part of Oak Mortgages Limited.

Don’t worry, you’ll still be looked after by the same friendly, experienced team you know and trust. We’re here to guide you every step of the way on your mortgage journey.

👉 Discover more about us at www.oakmortgages.co.uk or see what our happy clients are saying on Google Reviews.

      EXCELLENT  
   Based on 88 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Zin Ameur 
 
 
 
 Trustindex verifies that the original source of the review is Google. Exceptional service from Vicki & the Oak Mortgages team, who were integral to ensuring I secured a competitive remortgage deal and took away the time burden in doing so, would highly recommend.
  
 
      Posted on Google  
   
   Major Tom 
 
 
 
 Trustindex verifies that the original source of the review is Google. Unexpectedly had to source a small mortgage to complete a house purchase. We contacted Oak Mortgages to explain we were under prepared to start mortgage applications but they put in alot of leg work and employed the full use of their team to source the best value, conditions and terms that fit our situation. Contact was prompt and informative, with all questions answered and investigated with patience and clarity. The team were very empathetic and took on a level of customer care I didn't expect from a mortgage broker. Whether it was over the phone or by email, all information was presented and explained in the best way for us to make an informed decision on what we were buying and agreeing to. The team continue to provide that care even after mortgage offer is accepted and purchases are complete, and I look forward to speaking to them again in the future as they monitor mortgage rates and endeavour to advise what are the best options available going forward.
  
 
      Posted on Google  
   
   Alex 
 
 
 
 Trustindex verifies that the original source of the review is Google. ⭐⭐⭐⭐⭐

Absolutely fantastic service from start to finish. They’re the only mortgage brokers I use, and for good reason. The level of service, professionalism and dedication is second to none.

Nothing is ever too much trouble, communication is excellent, and they’re always on hand to answer questions, explain the process and find the best possible solutions, even when things aren’t straightforward.

With multiple property investments, it’s important to have someone knowledgeable, reliable and proactive in your corner, and that’s exactly what you get.

I wouldn’t hesitate to recommend them to anyone looking for a mortgage, remortgage or property investment finance. They’ll certainly continue to be my go-to as I grow my property portfolio.

Highly recommended!
  
 
      Posted on Google  
   
   sunday ifenkwe 
 
 
 
 Trustindex verifies that the original source of the review is Google. They were very very professional and always willing and ready to respond to all my queries, guided me through this process simlessly.  I am happy I used their services.
I will also like to give a special appreciation to Vicki Redley she was very great and an amazing individual as she guided me all through the process.
  
 
      Posted on Google  
   
   Ifenkwe Grace 
 
 
 
 Trustindex verifies that the original source of the review is Google. Well so far the experience with you guys has been pretty great
  
 
      Posted on Google  
   
   Hannah Vivian 
 
 
 
 Trustindex verifies that the original source of the review is Google. Recently had Abby as our broker, who was super friendly and made the process smooth and easy. Thank you
  
 
      Posted on Google  
   
   Stephen Dowding 
 
 
 
 Trustindex verifies that the original source of the review is Google. My experience of Oak Mortgages has been unfailingly amazing. Abby is WONDERFUL at her job: super-kind, expert and patient and a huge credit to the company.
  
 
      Posted on Google  
   
   G S 
 
 
 
 Trustindex verifies that the original source of the review is Google. From the very first contact through (what was a complex and hugely frustrating conveyancing process), to the day of completion, Oak Mortgages were the shining light that got us through.

Sarah and her team were brilliant.

They were responsive, caring, empathetic, knowledgeable, professional, and human at each and every stage.

We are so grateful that we used Sarah and Oak Mortgages and highly recommend them to anyone wanting to guarantee that authentic, trustworthy approach from professionals who care.

A top class act - 5 ⭐️⭐️⭐️⭐️⭐️
  
 
      Posted on Google  
   
   DOBO and the Foodies 
 
 
 
 Trustindex verifies that the original source of the review is Google. Awesome service, helped me at every step on a journey I never thought at 50 I could make! Sarah is amazing available whenever I needed her highly recommend
  
 
      Posted on Google  
   
   Caoimhe Clarke 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thank you to Abby and the admin team at Oak Mortgages who have been fantastic in helping me secure a remortgage on my property. From my first phone call to Abby I was filled with confidence and the experience with the team was brilliant, especially when other companies involved were not so brilliant the Oak Mortgage team pulled out all the stops to make sure completion happened. I would highly recommend this company and will use their services in the future. Thank you again.
  
 
  
  
 
     Verified by Trustindex  Trustindex verified that these reviews were published on Oak Mortgages Ltd's Google Business Profile. Learn more

0330 232 0285

0330 232 0285

0330 232 0285

Mortgages for doctors

Are you in the medical profession in the UK looking for a mortgage and to embark on the journey of homeownership?

Clever Mortgages is now part of Oak Mortgages Limited.

See if you pre-qualify for a mortgage