The experts in mortgages for GP’s. We understand the difficulty GP’s face when applying for a mortgage and we’re here to help.
No impact on your credit score
To speak with a mortgage Advisor, book your free mortgage consultation now
We have developed and nurtured relationships with lenders that are specialised in providing mortgages for doctors and understand their complex income and earnings structure better than high street banks do. Whether you are currently in GP training , a salaried GP, or you are self-employed as a GP locum or GP practice partner, we can access mortgages that you won’t be able to find anywhere else.
Employed GPs can generally prove their earnings more easily than practice partners by providing three months of payslips and a copy of their employment contracts. Practice partners, however, are self-employed, which can make the process trickier.
To get their hands on a GP mortgage, they need to evidence their past and future earnings and those of the practice they are working at. Traditional mortgage lenders will typically require two to three years of properly audited accounts, and if you can’t provide these, they will turn you down, which can cause frustration and heartache.
However, at EM Financial, we understand that you could be looking to relocate or buy a house as you are starting a new job, so you may not have the paperwork to support your application.
That’s why we work with healthcare lenders that understand the complicated dynamics of working as a GP and won’t use this against them when applying for a doctor’s mortgage. If you don’t have years and years worth of accounts, our team can still help you to secure and source a GP mortgage if you have been a partner for less than a year.
Our lenders consider the practice’s history and any long-standing relationship you have with the practice as well as your earnings and potential earnings, allowing us to find a mortgage solution that fits your requirements whether you are a first-time buyer, looking to remortgage, invest, or relocate.
Say goodbye to the hassle that comes with high street banks, and say hello to seamless mortgage applications with EM Financial!
As a GP, you will face significate challenges when trying to obtain a mortgage, however, it is not impossible. There are a number of specialist mortgage lenders that cater to such circumstances.
Our lenders allow you to use your full GP salary, including additional hours and night shifts, even if you are on a fixed-term employment contract, we can also use your partnership income.
Some lenders have exclusive products aimed at helping borrowers who work for the NHS, these can include better interest rates or favourable terms such as 5-6 times income multiples.
This depends on the mortgage advisor you choose. At EM Financial, we do not charge a fee for our mortgage advice.
Yes. Many medical professionals receive locum income and this is regularly used to boost affordability
We have a large variety of lenders on our panel that each have their own distinct mortgage products and lending criteria. This frequently implies that we have access to things that aren't commonly found on the high street. Whatever your scenario, our incredible team of qualified mortgage brokers that specialise in helping medical professionalswill use their expertise to try and save you both time and money by finding you the best possible deal for your circumstances.
Take a look at our great client reviews to get a true sense of the high levels of customer service we constantly aim to deliver. We will always keep you up to date and strive to deliver you a stress-free advice service.
As a speedy and professional mortgage Broker, we will provide complete support and direction throughout your mortgage procedure. We will do everything possible to alleviate any anxieties you may have throughout our service and will answer all of your questions as thoroughly as possible. We truly hope that you will find us useful during your process, as we are adaptive to your mortgage requirements.
When you deal directly with a bank or lender, you will have far less options than if you speak with a mortgage broker. Banks and other lenders will only have access to their own deals and products, however we can search through 1000s of deals across our panel, selecting the best one for you and your circumstances.
Our professional and devoted mortgage and protection brokers is well-versed in various lenders' requirements and products. As a mortgage Broker, we can look around for these packages, completing the legwork on your behalf. This saves you time and money by avoiding the need to speak with different lenders.
Overcoming any mortgage obstacles that arise can be difficult at times. At this point, you should consult with a reliable and trusted mortgage advisor.
Customers with a low credit score, being self-employed, falling outside of lender criteria, and having a low borrowing capacity, to name a few. While challenges exist, our mortgage advisors can typically assist.
Our mortgage Advisers have assisted a wide range of consumers in a variety of situations. We give comprehensive guidance in a variety of situations by leveraging our extensive understanding of medical professionals lender criteria.
We offer a free mortgage appointment to all of our customers, new and old, as a well-known medical mortgage Broker with a reputation for being open, honest, reliable, and responsive.
During this appointment, your designated mortgage Advisor will review your situation and discuss your goals. Our customers are our top priority, and as a mortgage broker, we'll make sure to recommend the greatest available deal to you while also relieving your stress.
Request your free mortgage review today, and we'll see how we can assist you on your mortgage journey!
EM Wales is a trading style of Estates Mitchell Limited is Authorised and Regulated by the Financial Conduct Authority under Registration Number 948488 at www.fca.org.uk/Register
The Financial Conduct Authority does not regulate all aspects of Commercial and Buy to Let Mortgages.