Mortgages for Junior Doctors

Junior doctors can face mortgage underwriting questions around rotations, fixed-term contracts, changing basic pay and additional shifts.

What to consider

A broker familiar with medical employment may help present income clearly to lenders. Keep recent payslips, contract details, P60s and evidence of regular additional income available. Lenders differ in how they assess overtime, locum or bank work, so a declined application with one lender does not automatically mean the same outcome elsewhere.

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