Introduction to
Doctor Mortgages

At Jordan Lynch, we’ve arranged countless mortgages for Doctors and Medical Professionals since we were founded in 2006, and are now delighted to report that we set up a dedicated team of advisors providing a premium service in a diligent yet time efficient manner.

Our helpful guide will help you navigate the property market and secure a mortgage.

Our Dedicated Service for Medical Professionals

Trainee Medical Professional/Junior

The main concern for a mortgage lender is the uncertainty over income stability. As a trainee or junior doctor, you will be on a much lower wage than more experienced colleagues in your field. Due to your chosen career path, there are lenders that will look beyond your current circumstances and offer you a mortgage based on the higher earning potential of future years.

Self-Employed Doctors

Obtaining a mortgage with no track record of self-employment isn’t easy, lenders would normally ask to see 2-3 years accounts before granting you a mortgage. However, there are lenders out there that will consider the mortgage by establishing the level of your pay based on your previous employed earnings and a projection of future earnings.


Additionally, it isn’t uncommon for tax to be paid efficiently if you’re self-employed. Some lenders have specialist underwriters that will use a multiple of your gross annualised contract rate or look to use your net/operating profit. Ultimately, this will result in the loan amount granted being based on a more accurate reflection of your earnings.

Get in Touch Today

Jordan Lynch Ltd are authorised & regulated by the Financial Conduct Authority: 470768
Registered in England & Wales number: 05601153

0161 486 9316

Privacy Policy

Terms of Business