For Doctors.
Foundation doctors and resident doctors on training contracts. Locums on day rates. Consultants with private work. GP partners with profit-share income. Each needs a lender or insurer that reads the contract properly — and a specialist adviser who knows where to place it.
Start your free assessmentWe match doctors at every career stage.
FY1 / FY2
Specialist lenders and insurers that recognise training pathway and banding.
Core trainees (CT1+)
Employed on NHS training contracts. Specialist lenders who understand banding and training progression.
Specialty trainees (ST3+)
Employed on NHS training contracts with banded pay. Locum income alongside substantive work calculated correctly.
F3 / fellowship doctors
Working outside the training pathway? Locum, fixed-term, or research income all placed correctly.
Consultants
Combined NHS + private practice income presented correctly.
GP partners
Profit share, not drawings — mortgages and protection placed with lenders who understand partnership income.
GP salaried / locum
Multi-source income from agencies and OOH work.
Less Than Full Time (LTFT)
Working less than full time? LTFT contracts are more common than lenders think. Specialist advisers know how to present your hours correctly.
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