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We invite you to get in touch via a free, no-obligation initial consultation.
“Private Finance provided excellent service securing a remortgage for my property even though it was not a straight forward case. They always kept me updated and was on hand to help and deal with any issues arising. Would definitely recommend Private Finance for their services, offering guidance and support throughout the whole process.”
“Private Finance worked incredibly hard to secure our business re-mortgage. They were always calm, professional, polite and ready to wade in on our behalf when things stalled. We would happily recommend them, and look forward to maintaining our relationship. Many thanks!”
“Outstanding services in our mortgage search, during a weird environment of fast-changing market conditions. The team has always been super responsive, very clear in their replies to all questions we had along the process, and managed to get us extremely good deals on various mortgage products. I can only strongly recommend them for your mortgage search!!”
“Private Finance provided excellent service securing a remortgage for my property even though it was not a straightforward case. They always kept me updated and was on hand to help and deal with any issues arising. Would definitely recommend Private Finance for their services, offering guidance and support throughout the whole process.”
“Professional and proactive advice and service – secured me an amazing rate on my mortgage. The team were great with their communication and I always felt confident that things were progressing – completely took away any anxiety from a stressful process!”
“Private Finance have been fantastic in finding me the right provider and the right price. We have used them twice now, and both times the communication was fantastic, the options explained, and the rest of the paperwork dealt with. Would highly recommend.”
We’ve spent more than twenty years helping doctors and other medical professionals overcome complex mortgage-related challenges. This extensive experience – along with our close industry relationships with specialist lenders – will allow us to arrange a bespoke mortgage solution that accounts for your unique financial circumstances.
For some doctors, it may be possible to access special terms and exclusive rates. This is due to many reasons, including increased likelihood of employability, job stability, and higher earning potential.
Unfortunately, high street lenders tend to regard mortgages for certain medical professionals as ‘complex’. In practice, this means they may not be able to assess your income in the correct way. Many doctors often have variable components to their income and it can take a more knowledgeable lender in the field to fully account for these variables. Other lenders may misinterpret your gross income, thereby reducing your borrowing power – or maybe even leading to an unsuccessful mortgage application.
Advice from a mortgage specialist can increase your chances of a successful mortgage application, allowing you to borrow more and, ultimately, find a better mortgage deal.
We recognise the complexities associated with being self-employed, including fluctuating income, variable expenses, and intricate tax structures.
Our mortgage consultants are well-versed in the nuances of self-employment and understand the financial considerations specific to your profession. We can help navigate these challenges to find the right mortgage solution for you.
As a locum doctor, the freedom and flexibility of choosing when and where you work may sometimes pose challenges when it comes to securing a mortgage. Your employment and financial history are important, and many lenders will require evidence of income over the previous two years.
However, there are other lenders that can take a more flexible approach and only consider income between six months to a year. We’ll help you identify lenders that are most amenable to your unique circumstances.
With our online mortgage tools, find the information you need using our helpful guides, information on the best mortgage rates and handy mortgage calculators.