Mortgages, protection and money — written for doctors.
Foundation and resident contracts, NHS pay structures, locum income, GP partnership drawings — guides that translate how doctors actually get paid into mortgage and insurance decisions that hold up.
- Foundation Doctors
Mortgages on a training contract
Foundation and resident doctors can get a mortgage on a training contract — with a specialist approach. Here is how it works, and why standard lenders so often decline.
5 min readRead article → - Locum Doctors
Getting a mortgage as a locum doctor
Variable income is not unstable income. With the right specialist lender, locum doctors are assessed on the reality of their earnings — not on a template that does not fit.
4 min readRead article → - GP Partners
Mortgages for GP partners
GP partners earn well but are consistently poorly served by mainstream mortgage advice. Here is why partnership drawings confuse standard lenders — and what specialists do differently.
5 min readRead article → - Mortgages
Buy-to-let for NHS doctors
NHS doctors building a property portfolio benefit from getting the structure right from the start — particularly on the question of personal name versus limited company ownership.
4 min readRead article → - Protection
Income protection and the NHS sick pay gap
NHS sick pay is finite and runs out faster than most doctors expect. Income protection closes the gap — and the best time to arrange it is while you are young and healthy.
6 min readRead article →