A broker that already understands your contract.
Your income — and the way it's structured — is more complicated than a single number on a payslip. Here's who we work with most, across both mortgages and protection.
Foundation doctors (FY1/FY2)
Rotations, banding supplements and ESR payslips — read properly against the professional mortgage schemes built for newly qualified doctors.
Resident doctors in specialty training
Fixed-term training contracts and movement between trusts, packaged against lenders that understand the training pathway from CT/ST1 through to CCT.
Salaried GPs & GP partners
Salaried GP income under the BMA model contract, partnership drawings and prior-year practice accounts — all factored in.
NHS consultants
Substantive NHS pay alongside private practice income, additional NHS roles and clinical impact / excellence awards — packaged so lenders see the full picture.
Locum doctors
Daily and weekly rates, agency, umbrella and limited company — we know which lenders accept which structure, and how much trading history they need.
Foundation dentists (DFT / DF1)
The twelve-month dental foundation training year, performer number and NHS DFT pay — assessed by lenders that recognise the dental training pathway.
Associate dentists
UDA delivery, private sessions, mixed practice income, self-employed schedules and limited company structures — packaged for lenders that won't shave your earnings.
Dental practice principals & partners
The residential mortgage and protection picture alongside complex principal and partner income — drawings, profit share and mixed NHS / private earnings.
Dental specialists & orthodontists
Specialist lists, private practice income and referral work — placed with lenders comfortable with consultant-level dental earnings.
Hygienists, therapists & other dental professionals
Multi-site sessional work, employed-plus-self-employed splits, and protection cover built around how you actually work.
Other NHS & healthcare professionals
Pharmacists, allied health professionals and senior NHS roles — if your income is non-standard, we can help.