Yes, many lenders offer options for newly qualified healthcare professionals, often with as little as six months of employment history. We specialise in identifying these lenders and presenting your application effectively, even if you’re just starting your career.

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Not necessarily “better” rates across the board, but specialist lenders are more likely to offer suitable rates for non-standard income types. They understand contract income or locum earnings, potentially approving you when high street banks might decline, offering competitive terms tailored to your profile.

Being a locum or contractor typically means traditional lenders require extensive tax returns. Simply Mortgages bypasses this by working with lenders who assess your gross contract income or day rate, often requiring just a copy of your contract, simplifying the application process significantly for healthcare professional mortgages.

Standard documents include ID, proof of address, and bank statements. For income, PAYE professionals need payslips and P60s. Contractors typically require your current contract and potentially previous contracts or bank statements showing income. We provide a full checklist tailored to your situation.

Absolutely. Remortgaging as a healthcare professional is a common way to secure better rates, release equity, or consolidate debt. Our expertise extends to finding the most competitive remortgage products that recognise your professional status and income structure.

While no widely available national schemes are exclusively for healthcare workers in the UK, various government-backed initiatives like Shared Ownership or Help to Buy (where applicable) are available to everyone. We can advise on these options alongside specialist healthcare professional mortgages.