Property Investment for Doctors


The Market is on the Move

2012 saw a marked increase in activity in the buy to let market. If you are wondering how to improve your financial situation over the long term, now is the time to look again at residential property.

The first time buyer market continues to be difficult as lenders look for larger deposits and cleaner credit records are required. As a result, many first time buyers are reverting to rental property and rental incomes are on the rise. If you have capital to invest as a deposit, now could be a good time for you to get into the market.

Advantages of Buying to Let

  • Gives you the potential for capital growth
  • Can provide you with a regular monthly income
  • Does not carry investment manager’s charges
  • Does not involve IFA fees

Many of our doctor clients make a start in the buy to let market by renting out their current home when they buy a larger property. If you are already living within easy access of a major employer such as an NHS trust, your current property will have excellent rental potential.

What You Need

You will need a deposit of at least 15% of the value of the property (ideally 25%). Provided the potential rental income of the property is sufficient, your personal earnings will not be a major concern to the lender. Nor will having a buy to let in the background impact unduly on your options for a residential purchase.

We offer a full mortgage service for doctors looking to benefit from gains in the property market. Our consultants all have their own property portfolios so we know the market.

Talk to our buy to let consultants about mortgages to suit your needs.

For experienced investors, increase your profit or expand your portfolio with our remortgage service.

Our experience in dealing with mortgages for doctors, and our access to exclusive doctors’ mortgage products, makes us unique in the market.

For more about our Doctors’ Mortgage service, please view our Mortgages for Doctors video