Remortgages for Doctors

Remortgaging is as difficult now as it has been any time in the past ten years. With fewer lenders on the market and lending criteria narrowing, professional help is necessary for you to fully understand your options.

Doctors and Remortgaging

Doctors have more complex situations than the average home owner and sometimes have specific capital or income needs. For example, a period of training may involve lower income or moving from home.

Doctors with growing families often have to deal with needing more space at home or covering school or university fees. Even professionals can find income and outgoings tight at certain stages of life and switching to a fixed mortgage rate might be attractive.

Perhaps you need to fund a new private practice arrangement or buy into an existing practice or simply consolidate debt incurred during a training period or sabbatical.

Whatever the reason, arranging a remortgage today is not just a simple task of picking a mortgage product off a shelf.

Hurdles in Remortgaging

We regularly assist our doctor clients in negotiating a number of hurdles during the remortgage process.

  • Expensive long-term fixed rates
  • Lenders refusing interest only arrangements
  • Private income not being considered
  • Locum contracts
  • Overall affordability impacted by school fees
  • Buy to lets in the background

The Solution

Whatever your circumstances, we have the experience to be able to advise you on exactly what can (and sometimes cannot) be achieved.

We have access to exclusive remortgage product for doctors who are:

  • Qualified
  • Practising
  • Registered

These exclusive deals will allow you to borrow at preferential rates and generous income multiples.

Contact us for a swift assessment of how much you can borrow or how much you can save.

We provide a ‘next day’ mortgage offer in principle decision. We do not need to meet and there is minimal paperwork to complete, saving you time and money.

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