Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
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Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
At ABC Mortgages, we specialise in supporting doctors and medical professionals through one of life’s biggest financial decisions, getting a mortgage. Whether you’re a junior doctor just starting your career, an experienced GP, or working across multiple NHS and private settings, your income structure can make applying for a mortgage more complicated. That’s why many high street lenders don’t fully understand your circumstances and why a specialist broker like us can make all the difference.
We offer expert, personalised mortgage advice, access to exclusive professional products, and a stress-free experience tailored specifically to doctors in Kent and across the UK.
Discover how much you can afford to borrow.
Your home / property may be repossessed if you do not keep up repayments on your mortgage.
Last Updated: 24th July 2025
Despite strong earning potential, doctors often don’t fit the standard lending mould. Traditional mortgage lenders typically rely on fixed salaries and consistent employment histories, something that doesn’t always reflect the realities of working in medicine.
Here are just some of the challenges our doctor clients encounter:
Multiple income streams: Many doctors earn from a mix of NHS salary, locum shifts, private practice, or on-call allowances. Some lenders struggle to assess this income fairly.
Fixed-term contracts: Junior doctors and trainees may be on short-term or rolling contracts that don’t reflect long-term career stability.
New to role or newly qualified: If you’ve only just started your first post, your payslip may not yet reflect your full earning potential.
High student loans: Medical professionals often carry large student debts, which can impact affordability calculations.
Complex tax and payslip structures: If you’re a self-employed locum or running a limited company, it can be hard to present your income clearly to lenders.
Without specialist advice, doctors can face unnecessary rejections, delays, or limited borrowing options, even if they are excellent candidates for a mortgage.
Because of the unique income structures and career trajectories doctors have, many lenders offer specialist mortgage products designed just for medical professionals. These mortgages come with a number of powerful benefits:
Higher Borrowing Limits: Doctors may be eligible to borrow up to 5.5x or even 6x their annual income, compared to the standard 4–4.5x offered to most applicants. This is particularly useful in higher-priced areas like Kent or London.
More Flexible Underwriting: Specialist lenders can consider projected income, NHS payscale increases, and future earnings when assessing affordability, even if you’ve only just started in your role.
Acceptance of Multiple Income Sources: If you’re working across both NHS and private practice, or earn significant income from locum work, we know which lenders are willing to assess your full income, not just your basic salary.
Lower Deposit Requirements: Some doctor mortgage schemes offer 95% LTV (loan-to-value) mortgages, meaning you can buy a home with just a 5% deposit, even as a junior doctor.
Preferential Interest Rates: Due to the perceived low-risk nature of medical professionals, some lenders offer reduced rates, fee-free products, and priority application processing for doctors.
These benefits aren’t always advertised and often aren’t available to the general public, but at ABC Mortgages, we have access to these exclusive deals through our wide lender panel.
At ABC Mortgages, we make mortgages as easy as ABC, even for professionals with complex financial profiles.
Here’s how we simplify the process for doctors:
We Understand Medical Careers: We don’t just look at your payslips — we understand your career path, your income potential, and the typical progression in your field. This helps us present a strong, well-prepared case to lenders on your behalf.
Help with All the Paperwork: Medical professionals are busy — we get it. We handle the heavy lifting by gathering documents, liaising with lenders, and keeping the process moving smoothly so you can focus on your patients.
Tailored, Plain-English Advice: Mortgages can be full of jargon — but we break everything down clearly so you feel confident and informed at every stage. Whether you’re a first-time buyer or remortgaging, we offer a calm, professional service from start to finish.
Local and Available: We’re based in Sittingbourne, Kent, but we help doctors across the UK — whether you’re buying your first home in Maidstone, moving to Canterbury, or investing in a buy-to-let in London.
If you’re a doctor and planning to buy your first home, move house, remortgage, or invest in property, you don’t need to navigate it alone.
At ABC Mortgages, we’re proud to support the medical community by providing trusted, mortgage advice, tailored to your professional needs and financial goals. Get in Touch Today.
Important Information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £395.
The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £395.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
ABC Mortgages Ltd trading as ABC Mortgages are an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
ABC Mortgages Ltd are registered in England and Wales. Registered No:13184891. Registered OƯice: Suite 103, St Georges Business Park, Castle Road, Sittingbourne, Kent, England, ME10 3TB.
