Prepare the file

Doctor mortgage evidence

A doctor's income may be a salary, a locum booking and a private invoice in the same month. They are not one payslip.

NHS payslips and the latest P60Basic pay, enhancements and the pension deduction are all on them.
Locum bookings kept apart from the salaryAgency or bank work needs its own statements. See the locum page if that is the main income.
Private practice invoices and accountsPrivate fees are not NHS pay. If they are material, they need accounts or tax calculations.
NHS pension contributionIt is a commitment and a feature of the payslip. Do not delete it to make the net pay look higher.
Grade and whether the post is substantiveA training rotation and a permanent consultant post raise different questions.

What this page will not do

A job offer for a future grade is not pay already received.
Adding locum shifts on top of a full-time salary is something the broker has to justify. This page does not.
It will not name a lender, a product, or an approval chance.

Questions

Do all lenders treat NHS doctors the same?: No. Different lenders may assess this differently. A broker can say which approach a lender uses.
Is a hospital accommodation deduction income?: No. It is a deduction. Leave it visible on the payslip.

MortgageConnector is a mortgage broker introducer and information service. We do not provide regulated mortgage advice. Where appropriate, we can introduce you to an FCA-authorised mortgage broker who can assess your circumstances and provide advice.

The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.

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

These figures are illustrative.

An FCA-authorised broker can look at the actual income, credit and property. MortgageConnector introduces you. We do not choose the mortgage.

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