Mortgages for GPs
Get a bigger mortgage by using your salary, shift allowances and locum work, even if you have been turned down before
If you work as a GP and you’re looking for a mortgage, you may already have found that it’s not as straightforward as it should be.
Even with a secure job and regular income, many GPs are told they can’t borrow as much as they expected. That’s often because lenders don’t always take overtime, shift allowances, or locum pay fully into account.
When that happens, you may have to lower your expectations on the type of property you can buy, or try to save a larger deposit to make up the difference. For many people, that means putting plans on hold while house prices continue to rise.
On top of that, arranging a mortgage around shift work isn’t easy.
Most mortgage advisers only work standard office hours. Finding time for appointments, calls, and paperwork can be difficult when you’re working long or irregular shifts.
And once the process starts, there’s usually a lot to manage, forms to complete, lenders to chase, and updates to follow up with estate agents and solicitors. It can quickly become time-consuming and stressful.
Fortunately, there’s a simpler way.
At CP Mortgage Solutions Limited, we specialise in helping GPs arrange mortgages.
We work with lenders who already understand how GP pay is structured. That means your overtime and allowances can be taken into account properly, helping you access higher borrowing limits and better rates.
We also have access to over 190 lenders, allowing us to search the market and find a mortgage that suits your circumstances so you’re not restricted to what’s available on the high street.
You’ll deal with one dedicated adviser from start to finish, not a call centre. Your adviser will manage the process for you, speaking directly with lenders, estate agents, and solicitors, and keeping everything moving.
We offer same-day appointments where possible, with flexible times to fit around your shift work. We can also help NHS staff who are newly employed or have a low deposit, thanks to some special low-deposit and 100% mortgage schemes.
To find out how much you could borrow and which mortgages you may qualify for, simply complete our short enquiry form.
One of our mortgage specialists will contact you to arrange a convenient appointment and talk through your options, with no obligation.
Let us take care of the mortgage process, so you can focus on your work and your future.
Start My Mortgage Journey
Fill in your details below and one of our expert mortgage advisers will call you back.
Getting a mortgage quote from us will not affect your credit score.
Start Your Mortgage Journey
We will get back to you as soon as possible.
Please try again later.
T. 07990 126982
Why Choose Us?
Because we specialise in mortgages for GPs, we can offer you a number of benefits and added extras that you won’t find elsewhere.
GP Income Specialists
Your payslips aren’t always straightforward. Between overtime, enhancements, and shift allowances, many lenders struggle to assess your true income, which can reduce how much you’re offered.
We specialise in mortgages for GPs and work with lenders who already understand how you are paid. This means more of your real income is recognised from the start, fewer questions are asked, and you’re far less likely to face delays or unnecessary complications during your application.
Matched to the Right Lender
Choosing the wrong lender can cost you weeks, and sometimes your dream home.
We search the whole market to identify lenders that match your specific circumstances, including GP-friendly banks and specialist providers with human underwriters. Instead of applying blindly, we guide your case to the lenders most likely to approve it. That means better acceptance rates, fewer wasted applications, and a smoother journey from agreement in principle to keys in hand.
One Adviser. Full Support
Mortgage applications involve more than just lenders, there are estate agents, solicitors, valuers, and endless paperwork along the way.
With us, you’ll have one dedicated adviser managing everything for you. No call centres. No repeating yourself. We coordinate the entire process, chase progress, and keep all parties aligned. You stay informed without being overwhelmed, while we handle the details behind the scenes so you can focus on your work and your move.
A Mortgage Partner for Life
Your mortgage shouldn’t be a one-off transaction; it should be an ongoing relationship.
From your first home to your final move, we stay with you. We monitor your rate, check in as your circumstances change, and proactively review your mortgage when it’s time to remortgage. That means you won’t overpay, miss better deals, or have to start from scratch with a new adviser every few years. Just long-term support, whenever you need it.
Fast Agreements in Principle (Usually Within 24 Hours)
When you’ve found the right property, delays can cost you. That’s why we’ve built efficient systems and strong lender relationships to secure agreements in principle quickly, often within 24 hours once we have your key details.
By matching you with the right lender from the start and preparing your case properly, we avoid unnecessary back-and-forth. You get proof of funding sooner, stronger buying position with estate agents, and the confidence to move forward without waiting weeks.
Flexible Appointments Around Your Shifts
Your work doesn’t run 9–5, so neither do we.
We offer same-day appointments where possible, plus evenings and weekends to fit around your rota. Whether you’re on early shifts, late finishes, or rotating patterns, we’ll arrange calls and meetings at times that work for you. No squeezing things into lunch breaks or taking time off work. Just straightforward access to expert advice, when it suits you.
Low & 100% Deposit Mortgage Options
Not having a large deposit shouldn’t automatically stop you from buying.
We provide access to low-deposit and 100% mortgage options (subject to eligibility), including lenders who are happy to support newly employed NHS staff. Combined with our NHS-friendly lender access, this means you may be able to move forward sooner than expected, even if you haven’t had years to save. We’ll explore every option to help you buy when the time feels right.
How It Works
1. Contact Us
Complete our short enquiry form
2. We Understand Your Needs
We'll talk to you to understand what you are looking for
3. We Find The Right Mortgage For You
We'll search our panel for the mortgage that suits you
4. Move In To Your Dream Home
Enjoy the house you have worked so hard for!
Frequently Asked Questions
Does overtime or bank work count toward my mortgage income?
Yes, but not all lenders treat it equally. Some will only use 50% of it, some 100%, and a few will ignore it entirely. A specialist adviser ensures you use lenders who recognise regular enhanced income.
I work shifts, can this affect affordability?
It can, because shift payments don’t always show clearly on payslips. We know which lenders accurately interpret shift allowances and unsociable hour uplift.
I’m on a fixed-term or training contract, can I still get a mortgage?
Absolutely. Many NHS roles are fixed-term or rotational, especially junior doctors and nurses. Specialist lenders accept these as long as there is continuity of employment.
I earn income from multiple departments or wards, is that a problem?
It can be if a lender misreads your payslips. We present your income correctly so it is counted in full, not undervalued.
Can locum, agency or bank workers get a mortgage?
Yes, but many lenders want 6–12 months of consistent income. We place you with lenders who accept variable or flexible NHS income patterns.
I keep being told I don’t earn enough, why?
Often it’s because your additional earnings or enhancements weren’t included. We ensure lenders consider all eligible NHS pay elements.
Are there lenders who specialise in NHS applicants?
Yes, we work with lenders who:
✔ Understand NHS pay bands
✔ Count guaranteed overtime and enhancements
✔ Welcome applications from healthcare workers
Why use a mortgage adviser instead of going direct?
Because most banks miss taxable NHS income, leading to:
- Lower borrowing amounts
- Avoidable declines
- Delays in underwriting
We specialise in NHS cases, ensuring your true earning potential is recognised.
Start Your Mortgage Journey
Fill in your details below and one of our expert mortgage advisers will call you back.
Getting a mortgage quote from us will not affect your credit score.
Start Your Mortgage Journey
We will get back to you as soon as possible.
Please try again later.
T. 07990 126982
CP Mortgage Solutions is an Appointed Representative of Connect IFA Limited 441505 which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference 1041441.
The FCA do not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.
The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Your property may be repossessed if you do not keep up repayments on your mortgage.
There will be a fee for mortgage advice, the precise amount will depend upon your circumstances. Your Consultant will confirm the amount before you choose to proceed but we estimate it to be a minimum of £495.
Commission disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.
Registered Address: The Old Doctor’s House, 74 Grange Road, Dudley, West Midlands, DY1 2AW Registered in England and Wales registered number: 16637543
CP Mortgage Solutions Limited.
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