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Mortgage & Equity Release - Call Us 0117 313 7780

What is your mortgage for?

 

1.41% 5 Year Fixed 

  • 60% LTV
  • Overall cost for comparison 3.30%
  • £250 Cashback

Representative Example: 

Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 5 years after which reverts to NatWest variable rate of 4.24%.

Call NatWest FREE on 0800 068 8567

1.17% 2 Year Fixed 

  • 60% LTV
  • Overall cost for comparison 3.80%
  • £250 Cashback

Representative Example: 

Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 5 years after which reverts to NatWest variable rate of 4.24%.

Call NatWest FREE on 0800 068 8567

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.38%
Rate type: Fixed Dec-2022
Monthly cost: £595.41 per month
Max LTV: 60%
Product fee: £1377.00
Overall cost for comparison: 3.8% APRC
NatWest logo 1.38% Fixed Dec-2022 3.8% APRC 60% £1377.00 £595.41 per month get quotes Call direct0800 068 8567
Initial rate: 1.38%
Rate type: Fixed Dec-2022
Monthly cost: £595.53 per month
Max LTV: 60%
Product fee: £1377.00
Overall cost for comparison: 3.8% APRC
Royal Bank Of Scotland logo 1.38% Fixed Dec-2022 3.8% APRC 60% £1377.00 £595.53 per month get quotes Call direct0800 068 7706
Initial rate: 1.55%
Rate type: Fixed Dec-2025
Monthly cost: £607.44 per month
Max LTV: 60%
Product fee: £1377.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.55% Fixed Dec-2025 3.3% APRC 60% £1377.00 £607.44 per month get quotes Call direct0800 068 8567
Initial rate: 1.55%
Rate type: Fixed Dec-2025
Monthly cost: £607.56 per month
Max LTV: 60%
Product fee: £1377.00
Overall cost for comparison: 3.3% APRC
Royal Bank Of Scotland logo 1.55% Fixed Dec-2025 3.3% APRC 60% £1377.00 £607.56 per month get quotes Call direct0800 068 7706
Initial rate: 2.4%
Rate type: Fixed Dec-2022
Monthly cost: £665.40 per month
Max LTV: 60%
Product fee: £382.00
Overall cost for comparison: 4% APRC
NatWest logo 2.4% Fixed Dec-2022 4% APRC 60% £382.00 £665.40 per month get quotes Call direct0800 068 8567
Initial rate: 2.4%
Rate type: Fixed Dec-2022
Monthly cost: £665.53 per month
Max LTV: 60%
Product fee: £382.00
Overall cost for comparison: 4% APRC
Royal Bank Of Scotland logo 2.4% Fixed Dec-2022 4% APRC 60% £382.00 £665.53 per month get quotes Call direct0800 068 7706
Initial rate: 2.64%
Rate type: Fixed Dec-2022
Monthly cost: £683.55 per month
Max LTV: 80%
Product fee: £382.00
Overall cost for comparison: 4% APRC
NatWest logo 2.64% Fixed Dec-2022 4% APRC 80% £382.00 £683.55 per month get quotes Call direct0800 068 8567
Initial rate: 2.64%
Rate type: Fixed Dec-2022
Monthly cost: £683.69 per month
Max LTV: 80%
Product fee: £382.00
Overall cost for comparison: 4% APRC
Royal Bank Of Scotland logo 2.64% Fixed Dec-2022 4% APRC 80% £382.00 £683.69 per month get quotes Call direct0800 068 7706
Initial rate: 3.09%
Rate type: Fixed Dec-2025
Monthly cost: £718.36 per month
Max LTV: 60%
Product fee: £382.00
Overall cost for comparison: 3.9% APRC
NatWest logo 3.09% Fixed Dec-2025 3.9% APRC 60% £382.00 £718.36 per month get quotes Call direct0800 068 8567
Initial rate: 3.09%
Rate type: Fixed Dec-2025
Monthly cost: £718.50 per month
Max LTV: 60%
Product fee: £382.00
Overall cost for comparison: 3.8% APRC
Royal Bank Of Scotland logo 3.09% Fixed Dec-2025 3.8% APRC 60% £382.00 £718.50 per month get quotes Call direct0800 068 7706
12

Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Mortgages for Medics

Our Mortgage Service for Medics

Special features of what we offer include:

  • Whole of market service - we work with most UK lenders
  • We work with lenders who will provide lending based on your employment as a medical doctor
  • Access to leading market mortgage rates
  • Access to exclusive loan deals not available on high street
  • Fast turnaround - speak to us today if you need to move quickly
  • We have lenders who will take into account previous defaults and missed payments 
  • Looking to raise additional finance on top of your existing mortgage or buy to let mortgage? - we have access to a range of finance solutions

To investigate your mortgage options if you are a medic call our mortgage team on 0117 313 7780 or fill in our call back form.

"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support. 

As your mortgage is such an important transaction, good advice is imperative.

Right Bullets

Compare Mortgages for Medics

Getting a mortgage as a medic will depend on whether you work for the NHS or are privately employed, as well as whether you are permanently employed full-time or are on a contract.

Key worker schemes for medics

Some medics may be eligible for key worker housing schemes, available to NHS medics in areas like doctors’ surgeries, dental practices, Primary Care Trusts (PCTs) and Ambulance Trusts. Although often open to nurses, these schemes do not usually apply to medics such as doctors or dentists, and are subject to other criteria such as excellent credit histories and fulfilling the necessary residency requirements.

Mortgages for medics – doctors and student doctors

If you are a doctor you may find that, although you have an above average income on paper, it can be harder to demonstrate this top potential mortgage lenders due to the vagaries of contract work, locum roles and private practise that may make up your career to date.

If you are a hospital doctor, for example, you will probably need to demonstrate your income based on both your basic pay and your on-call pay. Specialist mortgage providers will take this non-standard income stream into account when making mortgage lending decisions for medics.

If you are just starting out on your career as a medic you could find that, as a student doctor, you do not have a history of accounts. However, some mortgage lenders will take your future earnings as a doctor into account when deciding whether or not to offer you a mortgage deal.

If you are unsure about what mortgage product is suitable for you to speak to one of our mortgage advisers click here » or call our mortgage team on 0117 313 7780

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