Are you a medical professional or someone who doesn’t have a traditional salary structure? Whether you have short-term contracts, various income streams, or receive pay based on performance metrics, let us help you get the right loan with specialist mortgage advice.
If lenders have shied away from your complex income in the past, we’ll take the time to present your application to more flexible lenders. For professionals that are established in their career and have a high net worth income, we’ll advise on your mortgage options.
Whether you’re just starting out as a junior doctor or you’re a partner in a general practice, as a whole of market broker, we have the resources to find the right mortgage for you.
Below are some of the lenders we deal with, however we have access to the whole of the market, including exclusive deals that you won’t be able to find yourself.
How Can We Help You?
We work with medical professionals at all levels, including GPs, hospital doctors, locum doctors and principals and partners in general practices.
GP Principals & Partners
Principals and partners in general practices operate as independent contractors, with pay tied to performance metrics such as the Quality and Outcomes Framework (QOF). If you fall into this category, the specialist mortgage broker team at Agentis is here to help.
Locum & Self-employed Professionals
Locum doctors, who temporarily fill staffing gaps in hospitals and practices, are considered self-employed by mortgage lenders.
While lenders generally view doctors favourably due to the stability of the profession, securing a mortgage as a self-employed medical professional, can pose challenges and may not always yield the best offers.
Our team can offer professional advice to help you secure a mortgage that’s right for you.
Combining Income Streams
Fixed-term medical professionals are often perceived similarly to PAYE workers, while locums are regarded as contractors.
The mixed nature of income—combining employed and self-employed earnings—can complicate mortgage applications. That’s why seeking guidance from a specialist mortgage broker for medical professionals is advisable in such cases.
Without a specific salary figure, it can be difficult to apply for mortgages. One of our advisors can talk you through the process, collecting all the financial information needed to calculate your affordability and improve your chances of securing a mortgage.
Why Choose Agentis?
With long-standing relationships with lenders that work with medical professionals, we can save you time and hassle when applying for a mortgage or remortgage. We also prioritise your long-term goals to help you become mortgage free sooner.
Book an initial consultation with our brokers and mortgage advisors today to experience the Agentis difference.
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