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Specialist mortgage advice for Junior Doctors
The experts in mortgages for Junior Doctors. We understand the difficulty medical students face when applying for a mortgage and we’re here to help.
No impact on your credit score
As a junior doctor, securing a mortgage from regular high street banks can seem impossible. Between balancing changing work rotas and shift patterns and honing your skills as a new doctor, you don’t have the time to mess around with rejected mortgage applications that can leave you feeling deflated and unmotivated.
To speak with a mortgage Advisor, book your free mortgage consultation now
Lenders consider junior doctors self-employed as they don’t have a permanent employment contract while completing their foundation training rotations. This makes it difficult for lenders to determine how much you earn because they don’t understand how your employment works as a junior doctor in training.
On top of frequently changing and fixed-term contracts, you will have training courses to complete, which result in lost working hours. You’ll often move around hospitals and locations as you complete your training, meaning you have multiple sources of income. All of this can make it difficult for you to prove yourself suitable for a junior doctor mortgage to lenders.
Being a junior doctor is an exciting time for your career and the start of a new chapter in your life. With such a big change, the last thing you want to dampen your spirits is a rejected mortgage application.
Luckily, this is where EM Financial comes in. As specialist mortgage brokers, we have access to lenders that understand the dynamics of working as a junior doctor and who won’t discriminate against you for it, meaning you’ll be able to secure a mortgage at rates that work for you.
Our lenders allow you to use your full junior doctor salary, including additional hours and night shifts, even if you are on a fixed-term employment contract.
With more than 20 years of experience providing mortgage advice for medical professionals, we can support you throughout the application process, securing junior doctors’ mortgages for you at whatever stage of training.
As we specialise in mortgages for doctors and other medical professionals, you’ll be in good hands. We’ve built up trusted relationships with unique healthcare lenders that understand your working contracts and income system so we can access bespoke deals that aren’t available to you from high street lenders.
Take the pressure out of applying, and start your journey with EM Financial today!
We search 1000s of mortgage deals in Barry
Your Path to Homeownership Starts Here
How to get started - Our simple 4 step process
Step 1
Press 'Get approved' Below, the link will take you to a short form.
Step 2
We'll match you with a mortgage broker.
Step 3
You're mortgage broker will contact you to discuss your mortgage options.
Step 4
If you're happy, we submit your mortgage application and guide you to completion.
Feel free to ask any question to us
- 07930334768
- 7 days a week 8:00am - 8:00pm
Common Questions
Is it easy for Junior Doctor to get a mortgage?
As a Junior Doctor, 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.
How much can I borrow as a Junior Doctor?
Our lenders allow you to use your full junior doctor salary, including additional hours and night shifts, even if you are on a fixed-term employment contract.
Do NHS staff get better mortgage rates?
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.
Do NHS staff get free mortgage advice
This depends on the mortgage advisor you choose. At EM Financial, we do not charge a fee for our mortgage advice.
Can I use Locum income for my mortgage?
Yes. Many medical professionals receive locum income and this is regularly used to boost affordability
Why Choose us
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.