FCA Regulated
NHS pay specialists
Enhanced borrowing
Locum income
Why healthcare professionals need specialist advice
Medical income is rarely straightforward. Between basic salary, pay enhancements, unsocial hours, on-call payments, overtime and private practice earnings, no two professionals are paid the same way. Standard online calculators miss most of this additional income, giving you an artificially low borrowing figure.
Certain lenders actively want to lend to healthcare professionals and offer enhanced income multiples (up to 5.5 times) because of the job security and career progression that comes with medical roles. We know who they are and how to maximise what they will lend you.
Who we help
Income we can include
- Basic NHS salary
- Pay enhancements and unsocial hours
- On-call and overtime (contractual or evidenced)
- Clinical excellence awards
- Private practice earnings
- Locum and agency income
Common questions
Do I get better rates?
Not directly, but by accessing enhanced income multiples you can often borrow more, which means the rate you pay is on a larger loan at a lower loan-to-value, which often results in a better rate anyway.
Can I use overtime?
Yes, if your overtime is contractual or can be evidenced through 3 to 6 months of payslips, most lenders will include it. This applies to night shifts, weekend supplements and on-call payments.
What about student debt?
NHS student loan repayments are treated differently by different lenders. Some ignore them entirely, others factor them in at a reduced rate. We know which approach each lender takes.
I am a locum, can I get a mortgage?
Yes. You will need 6 to 12 months of booking history from your agency. Some lenders average your income over that period, others annualise your current day rate. We match you with the right lender.