MORTGAGES FOR THE MEDICAL SECTOR
At Watts Mortgage and Wealth Management Ltd, we understand the unique challenges medical professionals face when applying for a mortgage. Whether you’re a junior doctor, consultant, GP, locum, dentist, or NHS nurse, your income structure and working hours often don’t fit the standard criteria used by high street lenders. So while you are caring for your patients… let us take care of your mortgage.
As independent whole-of-market mortgage brokers, we work with a wide range of lenders, including those who specialise in medical sector mortgages. Our expert advisers take the time to understand your income structure, career path, and future earning potential, ensuring you get the best possible mortgage deal to suit your profession.
Medical careers often come with:
- Irregular hours or shift work
- Complex income structures (basic pay, banding, overtime, locum work)
- Training contracts or rotating roles
- High student debt levels
- Future earnings potential not reflected in current income
We navigate these challenges on your behalf, securing competitive mortgage deals that account for your long-term financial stability and career trajectory.
We’ve successfully arranged mortgages for:
- NHS & private doctors
- Dentists and orthodontists
- Nurses and midwives
- Locum professionals
- Junior doctors and registrars
- Medical researchers and consultants
- Paramedics and allied healthcare workers
- Independent whole of market mortgage brokers
- Specialist experience in the medical sector
- Personalised service from our team in Nantwich, Cheshire
- Access to exclusive mortgage deals and specialist lenders
- Trusted advice, transparent communication
- Speak to a specialist broker early
Get tailored advice from a broker experienced in medical sector mortgages. Early planning improves your chances of securing a competitive deal.
- Keep accurate records of your income
If you’re a locum or contractor, maintain clear evidence of your income from multiple sources. Lenders want to see consistency.
- Know your employment type
Whether you’re on a rotational contract, zero-hours, or permanent, we can find lenders who understand your circumstances—but you’ll need to explain your role clearly.
- Don’t rely on generic online calculators
Standard mortgage calculators don’t factor in medical incomes accurately. We offer realistic assessments based on your full earning picture.
- Consider your career progression
Your future salary potential may help you secure a higher loan amount today. We know which lenders are willing to consider this.
To improve your chances of having your application for a mortgage in the medical sector accepted, speak to one of our experienced mortgage advisers. We offer a free initial consultation and access to the whole of the mortgage market. Call 01270 62055 or fill in the enquiry form. We’d be delighted to assist you.
MAKE AN ENQUIRY
If you’re looking for mortgage advice, contact Watts IFA today. Our expert team can help you secure the best mortgage based on your contracting status and financial situation.
Sian Wilcox
Senior Mortgage Adviser
“I’ve had the privilege of supporting many professionals in the medical sector with their mortgage needs, from junior doctors to consultants. I understand the unique challenges they face, such as complex income structures and demanding schedules, and work to find competitive solutions for their circumstances.
I would be delighted to assist medical professionals in securing the mortgage that they deserve.”
With our extensive experience and access to a vast lender network, Watts Mortgage & Wealth Management Ltd is the ideal partner for those seeking a tailored mortgage solution. Contact us today, and let our dedicated advisers guide you through the process.
AWARDS AND ACHIEVEMENTS
FAQs for mortgages for medical professionals
Not necessarily. Many lenders accept applications from doctors and nurses on fixed-term, locum, or training contracts. Our brokers can identify lenders who are flexible with these employment types.
Yes. Some lenders will consider your future earnings potential, even if you’re just starting your Foundation Year 1 (F1). We help present your case effectively to the right lenders.
We work with lenders who understand NHS pay bands, locum shifts, and overtime. We ensure all relevant income sources are considered when calculating affordability.
In most cases, student debt has minimal impact on your mortgage application, especially when earnings are high. However, we factor everything in when assessing your borrowing potential.
Absolutely. We can advise on joint applications, shared ownership, and affordability calculations for two applicants, even if your income structures differ.
FIND THE BEST MORTGAGE DEAL FOR YOU
Let us help you find the right mortgage for your home or buy to let.
- Completely free search
- Won’t affect your credit score
- Independent, UK-based advice
- Award-winning mortgage broker
Our mortgage advice
If we can help with your mortgage needs, find out more here.
INDEPENDENT MORTGAGE ADVICE AND PROTECTION FOR YOU
Welcome to Watts!
Our friendly, knowledgeable and experienced team are here to help find the right mortgage and life insurance for you. We have helped thousands of clients, over 30 years buy their dream home and ensure their family is protected.
We are a family business and pride ourselves on our customer service. As an independent company, we can search from over 100 lenders and insurance companies to help you get the best deal.
Get a quick quote above or contact us today.
We search over 100 lenders to find the right mortgage for you
I just wanted to say a massive thank you for your assistance in my purchase. I would like to place on record my appreciation of the professionalism and tenacity of Emma. She has kept me fully updated in terms of progress and answered all of my questions in a timely manner. Great service and hope we can do business again in the future.
A. Henshall
