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Doctor & Dentist Mortgages

Mortgages built for medical professionals.

Up to 6× income, 95% LTV, and lenders that understand training contracts, locum work and NHS pension contributions.

AI summary

Doctor mortgages are UK residential mortgages offered by specialist lenders — Clydesdale Professional, Kensington, Metro Bank and BM Solutions — that lend up to 5.5–6× income to qualified doctors, dentists and locums from day one of a training contract. Newly-qualified doctors, GPs, hospital consultants and locums all qualify; NHS pension contributions are typically added back to gross income.

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Key facts

The numbers, at a glance.

Max income multiple
6×
Max LTV
95%
Min income
£25,000
Locum history
12 months
Eligibility & documents

What lenders want to see.

Who typically qualifies

  • GMC / GDC registered doctors and dentists (F1 onwards)
  • Locum GPs and hospital locums with 12+ months of consistent income
  • NHS consultants, registrars and specialty trainees
  • Private practice consultants with 1+ year of accounts
  • Newly-qualified with a signed offer letter (some lenders)

Documents to prepare

  • Latest 3 months' payslips (or locum invoices)
  • GMC / GDC registration number
  • Training contract or offer letter
  • Latest 3 months' personal bank statements
  • Passport / driving licence and 3-year address history
Why us

How Elena helps, specifically.

Up to 6× income

Clydesdale Professional and Kensington lend up to 6× on consultant salaries.

Locum-friendly

12 months' locum history is enough — no need for full-time NHS contract.

Pension add-back

NHS pension contributions added back to gross income for affordability.

95% LTV

5% deposit deals for newly-qualified — no need to wait for savings.

11-day offers

Elena pre-fills applications and briefs the underwriter — 2.5× faster than average.

Day-one lending

Signed contract accepted before your first payslip lands.

What Elena recommends

Top lender matches for this profile

Best match
Clydesdale Bank
Professional 5yr Fix · 90% LTV
4.34%
representative rate
Match score96%

"6× income for GMC-registered doctors and dentists — includes NHS pension add-back."

Kensington
Professional 2yr Fix · 90% LTV
4.79%
representative rate
Match score89%

"Accepts locum income with 12 months' history and signed contracts before payslips."

Metro Bank
5yr Fix · 95% LTV
4.99%
representative rate
Match score84%

"Just 5% deposit for newly-qualified doctors with a training contract."

FAQ

Questions, answered.

Can newly-qualified doctors get a mortgage in the UK?

Yes. Specialist lenders such as Clydesdale (Professional mortgage), Kensington, Metro Bank and BM Solutions lend to newly-qualified doctors and dentists at up to 5.5–6× income from day one of a training contract. Some accept an offer letter without a payslip and allow up to 95% LTV.

How much can a doctor borrow on a mortgage?

A UK doctor earning £55,000 basic can typically borrow £302,500 (5.5×) with a specialist lender vs £247,500 (4.5×) on the high street. Consultants earning £110,000+ often access 5.75–6× via Clydesdale's Professional range, giving £660,000+ of borrowing.

Are locum doctors accepted?

Yes — locum GPs and hospital locums are accepted by Kensington, Halifax and Pepper with 12 months of locum history. Lenders average the last 12 months' gross income and typically lend 4.5–5×.

Do lenders count NHS pension contributions towards affordability?

Most specialist lenders (Clydesdale, Kensington, Halifax) add back NHS pension contributions to gross income when calculating affordability, which typically increases borrowing by £15,000–£40,000 for a doctor on Band 7 or above.

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