Mortgages for Doctors

0330 137 2046

Lenders that count locum and on-call pay

Lenders that understand NHS rotations

Evening and weekend video calls

As a doctor, you’ve worked hard to build your career. So it can be frustrating if getting a mortgage isn’t as straightforward as you expected.

Many doctors assume that having a good income and a secure profession means every lender will look at their application in the same way. Unfortunately, that’s not always the case.

Different lenders assess doctors’ income very differently. While one lender may take into account most of your locum income, bank shifts, overtime and on-call payments, another may only use part of it and hence offer you less than you need.

Some lenders understand that moving between hospitals is a normal part of NHS training, while others may see several employers in a short period as a risk.

Foundation Doctors can also find that some lenders only assess their current salary without taking into account the clear progression of their career.

Because of all this, two doctors with very similar incomes can end up being offered very different borrowing amounts, simply because they’ve applied to different lenders.

That’s why choosing the right lender is often just as important as finding a competitive interest rate. The lender that’s right for one doctor may not be the right choice for another.

Trying to work out which lenders are most suitable can take time, especially when you’re balancing long shifts and a busy workload. Many doctors simply apply through their bank or choose a lender based on the lowest advertised rate, without realising there may be another lender that’s a better fit for their circumstances.

But it doesn’t have to be that way.

At One Root Mortgages, we help doctors find lenders that understand how medical professionals are paid and employed. Whether you’re a Foundation Doctor, Registrar, Consultant, GP or Locum, we take the time to understand your circumstances before recommending a lender.

As a whole-of-market mortgage broker with access to over 100 lenders, we compare a wide range of mortgage options to find one that’s suitable for your income, employment and borrowing needs. Our aim is to help you borrow what you’re legitimately entitled to while also securing a competitive mortgage for your circumstances.

We’ll also take care of the research, paperwork and communication with the lender and your solicitor, helping to make the process as straightforward as possible. You’ll have one dedicated adviser throughout, with appointments available by video call, including evenings and weekends, so it’s easier to fit around your schedule.

Whether you’re buying your first home, moving home or remortgaging, we’re here to guide you through the process and help you make an informed decision.

To find out how much you could borrow simply complete our 30-second enquiry form. We’ll arrange a free, no-obligation consultation to discuss your plans and explore the mortgage options available to you.

Find out how much you could borrow

Leave your details and you will hear back from me within 24 hours, to understand how you’re paid, including any locum, on-call or overtime income. I’ll then explain how much you could potentially borrow and which lenders may be best suited to your circumstances.

Call: 0330 137 2046

By submitting, you are agreeing to being contacted to discuss your enquiry using the personal information you provided. Please visit our privacy policy for details.

Why Choose Us?

Getting the right mortgage as a doctor isn't just about finding the lowest rate. It's about finding a lender that understands your income, your career and your circumstances. That's where we can help to ensure you can buy the home you want.

Specialist Advice

Your career as a doctor doesn’t always fit neatly into the standard boxes used by mortgage lenders.

From training rotations and changing grades, to locum work, additional shifts and private income, we understand the different ways a doctor’s career and earnings can develop.

This means you won’t need to spend your first appointment explaining how your job works. We’ll look at the full picture and use that information to find the most suitable mortgage options for you.

More Choice Across the Mortgage Market

Rather than being limited to the products available from one bank, we search mortgages from over 100 lenders across the whole market.

Every lender has different criteria, interest rates and ways of assessing an application.

Having more choice gives us the opportunity to find a mortgage that works for your individual circumstances, rather than trying to make your circumstances fit a particular bank.

Personal Service from Start to Finish

Getting a mortgage involves a lot more than just completing an application. We’ll take care of the research, prepare and submit your application, deal with the lender and keep an eye on progress through to completion. We also work alongside your solicitor and other parties involved to help keep everything moving forward.

You’ll receive clear updates along the way, so you know exactly where things stand without having to spend your limited free time chasing everyone yourself.

One Adviser

One Root Mortgages is built around providing a personal service.

You’ll deal directly with one adviser throughout your mortgage journey rather than being passed between different advisers or departments.

Your adviser will get to know you, your circumstances and what you’re trying to achieve, so when you have a question, you know exactly who to contact and you won’t have to re-explain things every time you call.

Appointments That Fit Around Your Shifts

Your working day doesn’t necessarily finish at 5pm, so your mortgage appointments shouldn’t have to fit into normal office hours either.

Appointments can be held by video call from wherever is convenient for you, with evening and weekend availability to work around your shifts, on-call commitments and busy rotas.

Ongoing Mortgage Support

As your career develops, you might buy a larger home, relocate, start a family, move into private practice, invest in property or simply need to review your existing mortgage when your current deal ends.

We’ll be here to help at each stage and will contact you when it’s time to review your mortgage, so you don’t have to remember when your deal is coming to an end.

And while your mortgage application is progressing, we’ll also keep an eye on available rates too. If interest rates improve before you get the keys to your home, we’ll check whether there’s an opportunity to secure a better mortgage rate.

Find out how much you could borrow

What Our Customers Say

       
 
   5.039 reviews

    
 
 
       Posted on Google  
   
   Rocco Ashcroft 
 
 
 
 Trustindex verifies that the original source of the review is Google. Undray is extremely helpful and dedicated to helping you find a mortgage that will suit your needs. He provided us with a seamless, stress free service and was happy to answer any questions we had throughout the process, we couldn’t thank him enough for helping us buy our first home.
  
 
      Posted on Google  
   
   leonie jenman 
 
 
 
 Trustindex verifies that the original source of the review is Google. Undray was amazing from start to finish with the help for our move, very happy and satisfactory with the service he provided us would highly recommend
  
 
      Posted on Google  
   
   Angelika Kopala 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had an excellent experience with Undray and couldn’t recommend his service highly enough. From start to finish, he made the entire process feel completely stress-free with clear, professional, and friendly advice. Undray was extremely knowledgeable and supportive throughout, always taking the time to explain everything clearly and helping me find the best solutions available in the market. His professionalism and genuine commitment to helping made a real difference. Communication was also outstanding. He kept me informed about every little change and update throughout the process, which gave me complete confidence and peace of mind. Overall, a fantastic service from someone who truly knows his work and puts his clients first. Thank you, Undray, for making what could have been a stressful process so smooth and straightforward!
  
 
      Posted on Google  
   
   Georgia Anderson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Me and my partner are so happy and grateful that we decided to go with one root mortgages (Undray) for are mortgage advisor. He’s so on the ball with absolutely everything and helps you find the best mortgages around, he’s  so easy to talk, and always on the other line for anything! Would definitely recommend him to anyone. Will also be using him in the future 🙏
  
 
      Posted on Google  
   
   Patrick Catterall 
 
 
 
 Trustindex verifies that the original source of the review is Google. Undray was brilliant throughout our remortgage. He made everything straightforward, explained our options clearly and was always quick to respond whenever we had a question. The whole process felt easy and well managed from start to finish. Our situation was slightly more complicated than usual, but Undray was very accommodating, patient and helpful throughout. He took the time to understand our circumstances and made sure everything was handled properly. I’d happily recommend Undray to anyone looking for a mortgage adviser in Brighton. He’s definitely one of the best mortgage advisers that we’ve dealt with, and we’d use him again without hesitation.
  
 
      Posted on Google  
   
   Adrian Smikle 
 
 
 
 Trustindex verifies that the original source of the review is Google. One root mortgage very helpful throughout the whole process of remortgaging my home great service easy process
  
 
      Posted on Google  
   
   Rhianna Puddifant 
 
 
 
 Trustindex verifies that the original source of the review is Google. As first time buyers we really appreciated Undray’s level of care. He is very clear, impartial and direct, and we always knew he had our best interests at heart. We were able to communicate with him whenever needed, and he’d help us with any questions (even if we felt they were silly). We couldn’t recommend Undray and One Root Mortgages enough, and feel grateful to have had him for our first purchase.
  
 
      Posted on Google  
   
   Rebecca Steward 
 
 
 
 Trustindex verifies that the original source of the review is Google. Undray was amazing as I didn't really know much or understand mortgages. He set up a zoom call & explained it all in simple terms to help me get my head around it all. We have used him twice now, & I have recommended him to anyone that asks.
  
 
      Posted on Google  
   
   Louis Smikle 
 
 
 
 Trustindex verifies that the original source of the review is Google. I’ve been working with Undray for over 10 years, and I genuinely can’t recommend him highly enough. During that time, he’s helped me with a wide range of mortgage requirements, including residential purchases, remortgages, buy-to-let properties, and limited company purchases. His breadth of knowledge and experience across all aspects of the mortgage market is second to none. What sets Undray apart is that he takes the time to understand my individual circumstances and finds the mortgage products that best suit my needs. Unlike other brokers I’ve used in the past, his approach has always felt tailored rather than one-size-fits-all. He explains everything clearly, answers every question patiently, and consistently goes above and beyond to secure the best possible outcome. Whether it’s a straightforward purchase, a complex remortgage, a buy-to-let investment, or a limited company transaction, Undray makes the entire process smooth, straightforward, and as stress-free as possible. His professionalism, attention to detail, and proactive communication have given me complete confidence every step of the way. I’ll continue to use Undray and the team at One Root Mortgages for all my future mortgage needs and wouldn’t hesitate to recommend them to anyone looking for a knowledgeable, trustworthy mortgage broker who genuinely cares about achieving the best outcome for their clients.
  
 
      Posted on Google  
   
   Alishea Clarke 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience working with Undray as my mortgage broker. From the very beginning, he was knowledgeable, professional, and incredibly helpful throughout the entire mortgage process. Undray took the time to understand my situation, especially how NHS income works, and found the right mortgage that suited my needs. He explained everything clearly, making what could have been a stressful process feel straightforward and easy to understand. . I highly recommend Undray to anyone looking for a reliable and experienced mortgage broker, especially if you work for the NHS.

We Make Getting A Mortgage Simple

From finding the right lender to securing your mortgage, we’ll take care of the hard work and guide you every step of the way.

Contact Us

Complete our 30-second enquiry form and we’ll arrange a convenient time to have a chat.

Get to know you

We’ll get to know your situation and what you want to achieve, then search the market to find the right mortgage option that works for you.

1-2-1 Support

We’ll explain your options clearly, recommend the right mortgage and take care of your application and paperwork.

From Application to Keys

We’ll stay by your side, keep you updated and help everything move forward until you get the keys to your new home.

Lenders that Count Locum and On-Call Pay
Lenders that Understand NHS Rotations
Evening and Weekend Video Calls

Find out how much you could borrow

Call: 0330 137 2046

By submitting, you are agreeing to being contacted to discuss your enquiry using the personal information you provided. Please visit our privacy policy for details.

How we will handle your personal data and protect your privacy.

A guide to how we meet the requirements of the Data Protection Act.

Making sure personal data is secure and properly dealt with is of paramount importance in our dealings with you. It is therefore important you understand what information we will take, why we need it, and how we will process your details.

This website does not use cookies.

Who will process my data?

One Root Mortgages Limited is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. As such, both One Root Mortgages Limited and HL Partnership Limited will process your data in order to provide our services.

What data will you ask me for?

In order to fully understand your financial needs and be able to give good advice, we need to obtain information about you, your family, your personal circumstances, and your preferences. Some of the information will be private and may be sensitive, such as details of your income and expenditure, health, debts and credit commitments, legal proceedings and adverse credit. Much of the information you provide will need to be passed on to the companies whose products you apply for.

Do I have to provide my personal data?

In order for us to be able to give you suitable advice, we need you to provide all the information we ask for as openly and honestly as possible. If you prefer not to disclose some information, please tell us that you prefer not to disclose it and we will assess whether this will alter or impede the work we are doing for you.

How will you use my data?

The primary reason we will use your data is to allow us to do the job you’ve asked us to do. Specifically, we will use your data to:
- Assess and provide advice to meet your needs and circumstances;
- Introduce you to a range of product and service providers in order to meet your requirements;
- Administer cases and assist processing of applications;
- Tell you about any changes to products and service we have arranged for you;
- Inform you about products and services we think may be suitable for you (unless you ask us not to send you this information).
We may also process your information in order to meet our legal and regulatory requirements. These may include:
- Complying with the regulations set out by the Financial Conduct Authority and other regulators as required;
- Preventing financial crimes such as money laundering and fraud by passing your details to other relevant bodies such as the police and National Crime Agency where required.
We may also process your personal data for our own legitimate interests. Typically, these would be limited to:
- Analysing our business for trends and research how we can improve our services to customers;
- Reviewing the work we have carried out for you to ensure we have met the regulations and quality standards;
- Ensuring we are able to exercise or defend legal challenges in the future.
HL Partnership Limited will use your data to monitor and assess our work to ensure we have provided a high standard of service and met our legal and regulatory commitments.

How long we will store your data?

We will only keep your personal information as long as necessary. How long that is depends on the type of data and the nature of the work we have carried out. In most cases, your personal data will be stored for an indefinite period as we need to keep evidence that we have fulfilled our legal and regulatory requirements.

Can I see a copy of my personal data?

Yes. Please write to our Data Controller (details below) and we will provide a copy of any personal data we hold about you within one calendar month of receiving your request. Please note that we may need to verify your identity before providing the information.

What if my data is incorrect or incomplete?

You have the right to have your data corrected or completed by contacting our Data Controller in writing (details below). Please be aware that we need to maintain records of information as it was at the time of the advice or the transaction taking place.

Can I have my data erased?

If we have provided you with advice or processed a transaction on your behalf, we will not normally be able to erase your personal data. This is because we are obliged to maintain records of our advice and transactions to meet our regulatory requirements and in case we need to exercise or defend legal claims in future.

Who is the Data Controller?

	One Root Mortgages Limited	HL Partnership Limited
Address	Unit G, Hove Technology Centre, St. Josephs Close, Hove BN3 7ES	6 Merus Court, Meridian Business Park, Leicester LE19 1RJ
Telephone	01273 077 408	03300 552651
Email	info@onerootmortgages.co.uk	compliance@hlpartnership.co.uk
Data Controller Registration	ZB954267	Z8588911

How can I get more information?

If you would like further details on how we use your personal information or if you have any data protection queries, please write to:

The Data Protection Officer, HL Partnership Limited, 6 Merus Court, Meridian Business Park, Leicester, LE19 1RJ
Email: compliance@hlpartnership.co.uk

If you’d like to make a complaint about how we have handled your personal data…

…please write in the first instance to The Data Protection Officer at the above address.

If you are not satisfied with the Data Protection Officer’s response, you can make a complaint to:

Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Telephone: 0303 123 1113 (local rate) or 01625 545 745 (national rate)
Email through their website at: https://ico.org.uk/concerns/

Important Notes on Protecting your own Data

Please be aware of cybercrime and protecting your own information online, particularly financial information. Do not send unsecure personal information over the internet. We recommend you use encryption software or provide any information to us using the online tools we provide.

Do not respond to emails asking you to pay money. Never make a payment purely in response to an email. Always call the company to validate any payment requests and check the phone number independently from the email (i.e. via a secure web site). If you receive a phone call asking for payment ensure you are satisfied the call is genuine, or else call the company back to check. Neither One Root Mortgages Limited nor HL Partnership will take responsibility if you transfer money to a fraudster in error.

One Root Mortgages Limited – Customer Complaints Procedure

Hopefully all your dealings with HL Partnership Limited and our Appointed Representatives will be positive experiences. However, sometimes things go wrong and if that happens, we operate a structured Complaints Procedure to ensure we get things back on track as quickly as possible.

This document is a summary of that procedure which is designed to ensure any complaints are dealt with in a professional manner, are handled fairly, effectively, and promptly, and are resolved at the earliest possible opportunity.

Our commitment to you…

We will endeavour to resolve your complaint as quickly as possible and will work within the following timescales:
- Three Business Days – Once we receive your complaint, if we are able to resolve the matter by close of business on the third working day following its receipt, we will simply do so and advise you in writing with our Summary Resolution Communication.
- Five Business Days – If we are not able to resolve the matter as above, we will write to you within five business days acknowledging your complaint, confirming our understanding of the situation, and providing you with the name of the individual handling the complaint.
- Four Weeks – If we haven’t been able to resolve the complaint sooner, after four weeks we will send you either our Final Response letter or a progress report explaining why we are not yet in a position to resolve the complaint.
- Eight Weeks – If we still haven’t been able to resolve the case beforehand, at eight weeks we will send you either our Final Response letter or an explanation why we are not yet in a position to resolve the complaint, giving the reason for the delay and indicating when we expect to be able to provide a final response.
PLEASE NOTE: A business day is a Monday to Friday between 9am and 5pm, excluding bank holidays. When a complaint is received on a non-business day, or on a business day outside business hours, we will treat the complaint as being received on the next business day.
We will ensure the person dealing with your complaint has the required skill, knowledge, and authority to respond to your complaint. Our staff are fully trained, and we operate a structured and robust complaints procedure to ensure all complaints are dealt with fairly.
We will ensure the letters we send are clear and explain things properly. When we resolve a complaint, you will either receive:
- Summary Resolution Communication – Where we have been able to resolve a complaint within three business days, we will issue a Summary Resolution Communication explaining that we believe the complaint to be resolved. This will include details of how to escalate the case if you remain dissatisfied.
- Final Response Letter – Once we have completed an investigation, we will issue our Final Response Letter to you. This will detail the complaint, explain our investigation, and confirm our findings. The Final Response letter will either ‘Uphold’ your complaint or ‘Reject’ your complaint and explain why. If there is any settlement or redress awarded, an explanation of how this was calculated will also be included.

Financial Ombudsman Service

We will give you access to the Financial Ombudsman Service which is a free service set up by Parliament to sort out individual complaints that consumers and financial businesses are not able to resolve themselves.

If, once we have issued a Summary Resolution Communication or Final Response Letter (or after 8 weeks if we have yet to issue a Summary Resolution or Final Response letter), you remain dissatisfied with the outcome of our investigations, you may have the right to approach the Financial Ombudsman Service within 6 months of the date of the letter.

If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.

Details of how to get in touch with The Financial Ombudsman Service will be issued with our Summary Resolution and Final Response letters along with a leaflet explaining how the service works. If you require more information, the Financial Ombudsman Service can be contacted as follows:

Address:
Financial Ombudsman Service
Exchange Tower
London
E14 9SR

Telephone: 0300 123 9123

Website: www.financial-ombudsman.org.uk

Your commitment to us…

In order to help resolve complaints as quickly and fairly as possible, we ask the following:

Tell us what happened

We need to understand the situation as clearly as possible so we may ask you to provide your side of the story or let us have documents and information which may help our investigation. These can be provided by post, email, verbally or through any other means that you prefer.

Help us find the right solution

It is in everyone’s interests to get complaints settled amicably so if there is a particular outcome you believe would be suitable, tell us and we will assess if this is possible. We may not be able to resolve the case the way you would like but we can try. And if we can’t, we will explain why it is not possible and offer an alternative solution.

Respond to us as soon as you can

Hopefully we won’t need to come back to you too often, but we may need further information or clarity on certain points. If we do need more information, we simply ask you to come back to us as soon as you can so that we can get things resolved quicker. If you can’t come back straight away, that’s fine too – just let us know.

Treat us with respect

Whilst it can be frustrating if something’s gone wrong, our job is to find out what happened and where appropriate, put things right. Our staff will do everything we can to help so we ask you give them the time to do their work and treat them with respect.

How to Complain

If you wish to register a complaint, you can do so by contacting our Complaints Department using the following methods:

By post:
The Complaints Department
HL Partnership Limited
6 Merus Court
Meridian Business Park
Leicester
LE19 1RJ

By email: complaints@hlpartnership.co.uk

By telephone: 03300 552 651

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances and will range from £99 to £499. This will be discussed and agreed with you at the earliest opportunity.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

One Root Mortgages, a trading style of One Root Mortgages Limited is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. One Root Mortgages Limited are registered in England and Wales Registered No: 16600744. Registered Office: Unit G, Hove Technology Centre, St. Josephs Close, Hove, United Kingdom, BN3 7ES

Compliance

FCA Registration: 1044411

Company Reg: 16600744

Network: HL Partnership Limited