As a doctor, you’ve worked hard to build your career. So it can be frustrating if getting a mortgage isn’t as straightforward as you expected.

Many doctors assume that having a good income and a secure profession means every lender will look at their application in the same way. Unfortunately, that’s not always the case.

Different lenders assess doctors’ income very differently. While one lender may take into account most of your locum income, bank shifts, overtime and on-call payments, another may only use part of it and hence offer you less than you need.

Some lenders understand that moving between hospitals is a normal part of NHS training, while others may see several employers in a short period as a risk.

Foundation Doctors can also find that some lenders only assess their current salary without taking into account the clear progression of their career.

Because of all this, two doctors with very similar incomes can end up being offered very different borrowing amounts, simply because they’ve applied to different lenders.

That’s why choosing the right lender is often just as important as finding a competitive interest rate. The lender that’s right for one doctor may not be the right choice for another.

Trying to work out which lenders are most suitable can take time, especially when you’re balancing long shifts and a busy workload. Many doctors simply apply through their bank or choose a lender based on the lowest advertised rate, without realising there may be another lender that’s a better fit for their circumstances.

But it doesn’t have to be that way.

At One Root Mortgages, we help doctors find lenders that understand how medical professionals are paid and employed. Whether you’re a Foundation Doctor, Registrar, Consultant, GP or Locum, we take the time to understand your circumstances before recommending a lender.

As a whole-of-market mortgage broker with access to over 100 lenders, we compare a wide range of mortgage options to find one that’s suitable for your income, employment and borrowing needs. Our aim is to help you borrow what you’re legitimately entitled to while also securing a competitive mortgage for your circumstances.

We’ll also take care of the research, paperwork and communication with the lender and your solicitor, helping to make the process as straightforward as possible. You’ll have one dedicated adviser throughout, with appointments available by video call, including evenings and weekends, so it’s easier to fit around your schedule.

Whether you’re buying your first home, moving home or remortgaging, we’re here to guide you through the process and help you make an informed decision.

To find out how much you could borrow simply complete our 30-second enquiry form. We’ll arrange a free, no-obligation consultation to discuss your plans and explore the mortgage options available to you.