As a doctor, your career is rewarding but demanding. Between long shifts, training, and caring for patients, finding time to secure the right mortgage can feel overwhelming. On top of that, many doctors face unique challenges when applying for a mortgage, whether it’s multiple income streams, irregular working hours, or outstanding student debt.
At Empire Mortgages, we specialise in helping doctors secure the right mortgage, tailored to their circumstances. With our whole-of-market access and over 60 years of combined experience, we make the process smooth and stress-free so you can focus on your patients while we take care of the paperwork.
Doctors are in high demand with strong long-term earning potential, but many lenders don’t always understand the complexities of medical income. Common challenges include:
This is where working with a specialist broker like Empire Mortgages can make all the difference.
When you work with us, you’re not just getting mortgage advice—you’re getting a partner who understands your profession. Here’s how we help:
Whole-of-Market Access – We compare deals from across the market, including specialist lenders.
Tailored Advice for Every Career Stage – From trainees to consultants, we’ll match you with the right lender.
Support with Paperwork – We prepare and package your application to maximise approval chances.
Flexible Appointments – We offer phone, video, and evening consultations to fit around your shifts.
End-to-End Guidance – We liaise with solicitors, estate agents, and lenders so you don’t have to.
We know that no two doctors’ circumstances are the same, which is why we tailor solutions to your stage of career and income structure. Options include:
Some specialist lenders even offer enhanced income multiples (up to 5.5 or 6 times your income) exclusively for medical professionals, helping you borrow more affordably.
Your career may be complex, but your mortgage doesn’t have to be. At Empire Mortgages, we’ll simplify the process, find the best deals, and ensure your mortgage fits your professional and personal life.
Book a Free Consultation Today and let’s discuss your mortgage options.
Some lenders offer exclusive deals for doctors, including higher borrowing multiples and flexible criteria.
Yes, some lenders take into account your future earnings and contract type, not just your current payslip.
We work with lenders who accept locum income and multiple income sources.
Absolutely. Specialist lenders are familiar with trainee contracts and can still offer competitive options.
Refer a Friend Scheme
Recommend a friend who is new to Empire Mortgages and if they then take out their mortgage with us, you’ll each receive £50 worth of vouchers.
We're 5 Star Rated
Daria Bogatu2025-10-08Trustindex verifies that the original source of the review is Google. I’ve been working with Nathan for the past six years, and I couldn’t be more satisfied with the level of service and professionalism he provides. From our very first mortgage to subsequent renewals and life or house insurances Nathan has consistently gone above and beyond to ensure we get the best possible rates and terms. What stands out most is Nathan’s attention to detail, clear communication and genuine care for his clients. He takes the time to explain every option thoroughly, making what could be a stressful process feel straightforward and transparent. Over the years Nathan has proven to be reliable, knowledgeable and always available to answer any questions, no matter how small. I truly value our long term collaboration and wouldn’t hesitate to recommend Nathan to anyone looking for a trustworthy and experienced mortgage professional. Beniamin Nistor2025-10-07Trustindex verifies that the original source of the review is Google. I'm pleased to say that we've been working with the best. Thanks very much for helping us to make our dream come true. Sam2025-10-01Trustindex verifies that the original source of the review is Google. Nathan helped me with my mortgage application for my first property making it a smooth process. Very helpful and informative employee at Empire Mortgages, would recommend him and Empire Mortgages to anyone. Ben Wheeler2025-09-30Trustindex verifies that the original source of the review is Google. Absolutely fantastic service from Craig at Empire Mortgages highly recommended to anyone, fantastic experience from start to finish was always just a phone call away thank you again 😀 Emma Dalziel2025-09-30Trustindex verifies that the original source of the review is Google. Excellent experience with the company. Talked us through every step of the way and was always only at the other end of the phone. Couldn’t recommend enough!! Thanks again DC (DC)2025-09-11Trustindex verifies that the original source of the review is Google. Emma has been absolutely fantastic throughout the whole remortgage process. She explained everything clearly, kept me updated at every stage, and was always quick to respond whenever I had questions. She went above and beyond to make sure everything was handled properly, and I wouldn’t hesitate to recommend her to anyone looking for a professional and reliable mortgage broker. Davie & Martin's Railway2025-09-11Trustindex verifies that the original source of the review is Google. Scott at Empire Mortgages was truly fantastic at getting me the best deal possible. He listened to all my needs and delivered an excellent product. A true 5 star performance. Lisa Duff2025-09-05Trustindex verifies that the original source of the review is Google. Scott was incredibly helpful throughout our mortgage process. He provided clear advice, answered all our questions, and guided us toward making the best decisions for our situation. We really appreciated his patience and support, and we would absolutely recommend him to others. Jane Locke2025-09-04Trustindex verifies that the original source of the review is Google. Nathan helped me with my mortgage 8 years ago when buying my first house, so when the time came to move on to a new property I could think of no one better to help me! Nathan is extremely friendly, down to earth and always available to help with anything property related or just general advice when I am clueless!! He will always strive to get you the absolute best mortgage rates - wouldn't go anywhere else! Thank you Benjamin Kessack-Morrison2025-08-11Trustindex verifies that the original source of the review is Google. Scott at Empire Mortgages Ltd. was recommended to me by a family member. Being a first time buyer, it was difficult to understand all of the jargon and details that come with buying a house, especially obtaining a mortgage. Scott made this process easy to understand and was there every step of the way, just a quick message or email away, to answer big and small questions and provide vital information. I was able to obtain my mortgage and associated insurances through Scott with no stress and would highly recommend Empire Mortgages Ltd. to anyone, especially first time buyers.
The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Empire Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of TenetLime Ltd. TenetLime Ltd is authorised and regulated by the Financial Conduct Authority. Tenet Lime Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 150643.
Empire Mortgages Ltd may charge a fee for mortgage advice. The amount of the fee will depend on your circumstances and will be discussed and agreed with you at the earliest opportunity. Our typical fee is £295 payable on receipt of a full mortgage offer.
Registered in Scotland under reference SC545434
Registered office address: Unit 9, Flexspace, Pitreavie Business Park, Dunfermline, KY11 8UU
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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