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Mortgage & Equity Release - Call Us 0117 403 4474

What is your mortgage for?

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0.87% APR 

  • Fixed for 26 months
  • 60% LTV - Interest only option
  • Overall cost for comparison 3.20%

Representative Example: 

Mortgage of £180,000 on property valued at £300,000 over term of 25 years.

Rate fixed for 26 months after which reverts to the RBS variable rate of 3.59%.

Call RBS on 0800 068 7706

0.97% APR

  • Fixed for 62 Months
  • 60% LTV - Interest Only
  • Overall cost for comparison 2.60%

Representative Example: 

Mortgage of £180,000 on property valued at £300,000 over term of 25 years.

Rate fixed for 62 months after which reverts to NatWest variable rate of 3.59%.

Call NatWest FREE on 0800 068 8567

3.15% APR 

  • Fixed for 26 months
  • 95% LTV - £500 CASHBACK Offer!
  • Overall cost for comparison 3.60%

Representative Example: 

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

Rate fixed for 26 months then reverts to variable rate of 3.59%.

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: 0.79%
Rate type: Fixed 27 months
Monthly cost: £661.40 per month
Max LTV: 60%
Product fee: £1,499
Overall cost for comparison: 3.8% APRC
Platform logo 0.79% Fixed 27 months 3.8% APRC 60% £1,499 £250 cashback £661.40 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.84%
Rate type: Fixed 27 months
Monthly cost: £665.41 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.8% APRC
Platform logo 0.84% Fixed 27 months 3.8% APRC 60% £999 £250 cashback £665.41 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.85%
Rate type: Variable 24 months
Monthly cost: £666.22 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.2% APRC
Barclays Mortgage logo 0.85% Variable 24 months 3.2% APRC 60% £999 £666.22 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.86%
Rate type: Fixed 26 months
Monthly cost: £667.02 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.2% APRC
Barclays Mortgage logo 0.86% Fixed 26 months 3.2% APRC 60% £999 £667.02 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.89%
Rate type: Fixed 26 months
Monthly cost: £669.44 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.1% APRC
HSBC logo 0.89% Fixed 26 months 3.1% APRC 60% £999 £669.44 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.89%
Rate type: Fixed 24 months
Monthly cost: £669.44 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.2% APRC
Nationwide BS logo 0.89% Fixed 24 months 3.2% APRC 60% £999 £669.44 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.89%
Rate type: Fixed 36 months
Monthly cost: £669.44 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.0% APRC
Nationwide BS logo 0.89% Fixed 36 months 3.0% APRC 60% £999 £669.44 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.89%
Rate type: Fixed 24 months
Monthly cost: £669.44 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.9% APRC
Progressive BS logo 0.89% Fixed 24 months 3.9% APRC 60% £995 £669.44 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.89%
Rate type: Fixed 27 months
Monthly cost: £669.44 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.0% APRC
Santander logo 0.89% Fixed 27 months 3.0% APRC 60% £999 £250 cashback £669.44 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.89%
Rate type: Fixed 27 months
Monthly cost: £669.44 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.0% APRC
Santander logo 0.89% Fixed 27 months 3.0% APRC 60% £999 £250 cashback £669.44 per month get quotes Call us0117 403 4474 More details Broker Only Deal
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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 Newly Qualified Doctors

Our Mortgage Service - helping you make the right decision

"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.

Mortgages for Newly Qualified Doctors

Compare Mortgage for Newly Qualified Doctors

If you are a newly qualified doctor or a junior doctor undergoing foundation training, the early years of your medical career are likely to be based on fixed-term contracts rather than permanent roles.

This is great for gaining the experience you need to succeed, but it can make getting a mortgage more difficult. This is because mortgage lenders tend to favour potential borrowers with what they see as a stable employment record. In order to get a mortgage it can be a good idea to approach mortgage lenders who understand the unique nature of newly qualified doctors’ contracts.  

As a newly qualified doctor you may be keen to buy a higher end property that reflects your true earning potential. A specialist mortgage provider can help you get a mortgage based on your specific requirements.

Mortgages for new GPs

If you are a recently qualified doctor and are join a GP practice as a new partner, you could find that standard mortgage lenders class you to be newly self employed and therefore a lending risk.

Because as a GP you are self employed (at least technically) you could face many of the pitfalls also encountered by people in less stable self-employment when it comes to trying to obtain a mortgage deal.

Mortgages for new locum doctors

Locum work can be a great way to gain experiences as a newly qualified doctor, but it can also be a headache when it comes to getting a mortgage.

This is because as a locum you will not have a permanent employment contract and this can be a red flag to mortgage lenders who may see you as a greater lending risk.

This can be especially true if you are a new locum as you will not be in a position to provide several years’ worth of accounts to prove your past income and job stability.

Fortunately, specialist mortgage providers for doctors can help you to get a mortgage that takes your circumstances into account.

We could help you find a lender who understand the mortgage needs of newly qualified doctors – call today on 0117 403 4474 for the latest mortgages for doctors. To speak to one of our mortgage advisers click here »

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