GP partners earn well. They are also, consistently, poorly served by mainstream mortgage advice. Partnership drawings do not fit standard employed or self-employed categories cleanly, and the result is that GPs with substantial incomes are regularly offered significantly less than they should be able to borrow — or declined entirely.
Why partnership income confuses lenders
Partnership drawings come from a share of practice income after expenses. They fluctuate year to year. They require a lender who understands how a GP practice operates financially — and most do not. The same income, presented to two different lenders, can result in very different borrowing capacity. Knowing which lender to approach — and how to present your case — is everything.
Buy-to-let alongside your partnership mortgage
Many GP partners we work with are also considering investment property. We can look at both together — which is almost always more efficient than handling them separately, and allows both to be structured in a way that is aware of the other.
My drawings vary year to year. How will lenders treat that?
Different lenders use different averaging approaches for variable partnership drawings. We match you to the one whose methodology produces the best outcome for your specific numbers.