If a mainstream lender has quoted you a standard 4 to 4.5 times income multiple, that’s often simply because they don’t run a professional mortgage scheme, not because that’s genuinely the most you can borrow as a doctor. I compare mortgages across 120+ lenders, including specialist and professional mortgage schemes, and we’ll tell you honestly what’s realistic for your income structure.
HTG Mortgages
Mortgages for Doctors
Last Updated: August 2026
Featured in The Telegraph • Daily Mail • The Times • Sky News
Standard mortgage lending is usually based on around 4 to 4.5 times your income. Doctors are one of a small group of professions where a number of lenders will go considerably further than that, because a medical career has a well understood income trajectory. Whether you’re an NHS consultant, a GP or working mostly as a locum, we know which lenders offer professional mortgage schemes and how to put your case together to make the most of them.
Professional mortgage schemes that can significantly extend your borrowing beyond standard income multiples
Lenders who combine NHS salary, private practice and locum income rather than assessing them in isolation
Speak directly to Harry, not a call centre, no passing you around
As featured in…
Meet your Advisor
Harry Goodliffe
- FCA Authorised
- Director & Mortgage Advisor
“I‘m not about confusing jargon or passing you from person to person. From our first chat to the day you get the keys, you’ll deal directly with me. I‘ll keep you updated, answer any burning questions, and do everything I can to make the whole process as stress-free as possible.”
Let’s Talk About Your Mortgage
The doctor mortgage process
1
Step 1
First Chat
Contact us for a straightforward chat about your role, whether that’s NHS, private, a partnership, or a mix, and what you’re hoping to buy.
2
Step 2
Research
We’ll match your income structure against lender criteria to find who offers the strongest professional mortgage terms for your situation, before anyone runs a hard search.
3
Step 3
Application
Once you’ve chosen a mortgage, we’ll handle the application process, liaising with the lender on your behalf.
4
Step 4
Completion
After approval, we’ll ensure a smooth transition to your new mortgage, keeping you informed at every step.
About
Our approach.
Why choose HTG Mortgages?
A medical career looks very different to a standard payslip, and how well a lender understands that varies enormously. Here’s what matters most:
A professional mortgage can change what you can borrow.
A number of lenders offer an enhanced income multiple scheme specifically for doctors, in some cases reaching up to 6.5 times income for the right case, well beyond standard residential lending. Whether you qualify, and by how much, depends on your role, income and the individual lender’s criteria, so it’s worth exploring properly rather than assuming a standard multiple applies to you.
NHS and private income combined.
Many consultants earn from both an NHS contract and private practice. Lenders who understand this combine the two rather than only counting your NHS salary, which can make a real difference to what you’re able to borrow.
GP partnership profit share.
GP partners are paid through a share of practice profits rather than a simple salary, similar in some ways to how self-employed income is assessed. We work with lenders who can assess this properly from your accounts and partnership agreement, rather than treating it like a standard employed payslip.
Locum income.
Locum work is paid by session or day rate rather than a fixed salary, and not every lender is comfortable assessing it. We know which lenders will, and what evidence they’ll want to see.
How HTG Mortgages Can Help
At HTG Mortgages, we build your application around your actual career stage and income structure, not a generic income form. As an independent, whole-of-market broker we place doctor mortgages with lenders who run genuine professional mortgage schemes. Here’s how we can assist you:
- Professional scheme matching: we know which lenders offer enhanced multiples for doctors and how each one defines who qualifies.
- Income built from your real structure: NHS salary, private practice, partnership profit share or locum income assessed properly, not squeezed into a standard payslip form.
- Lender matching before you apply: we check your income structure against lender criteria first, so you’re not making a hard-search application to a lender who doesn’t run a professional scheme.
- Support at every career stage: whether you’re a trainee early in your career or an established consultant, we’ll talk through what’s realistic now and how that might change as your career progresses.
Who doctor mortgages can help
Doctor mortgages exist because standard income multiples don’t reflect a medical career’s earning trajectory. They could be the right route if:
- You’re an NHS consultant, salaried GP, GP partner, or locum doctor.
- You have private practice income alongside an NHS role.
- You’ve been quoted a standard income multiple and want to know if a professional mortgage scheme would offer more.
- You’re earlier in your career, for example a trainee, and want to understand what’s realistic now.
- You’ve found combining NHS and private income confusing when talking to a mainstream lender.
Doctors aren’t the only medical professionals who can access enhanced income multiples. If you’re a dentist, our dentist mortgages page covers the equivalent schemes for NHS and private dental income.
Our NHS mortgages page covers the wider picture for people working in healthcare. We work with medical staff across Hampshire, including Winchester.
Related: Mortgage Broker Winchester.
Why use HTG’s mortgage services?
Available 24/7, so we are always there to help when you need us
We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages
We provide unrivalled customer service, ensuring that you get the care you deserve
Let’s get your mortgage sorted
Written by Harry Goodliffe
Director & Mortgage Adviser, HTG Mortgages · FCA Authorised (1017945)
CeMAP Qualified · Featured in National Press · South England Prestige Awards 2026/27 winner