Mortgages and Finance for Doctors

Specialists In Mortgage & Finance For Doctors

Being a doctor affords you with great job security and earning potential through your career.  So it can come as a huge surprise to people that finding mortgages and finance for doctors can be a challenging task.  This is because so many lenders don’t take the time to understand the complex training pathways, remuneration packages, changing employers and difficulties with contracts that doctors face.

Whether you are looking to buy your first home, re-mortgage, invest or think about income protection, life insurance or critical illness cover, the key is having a financial advisor who understands the challenges facing doctors and specialises in doctors’ mortgages and finances.

Buzz Financial are Independent Financial Advisors who have a special interest in doctors’ mortgages and finances.  We do all the hard work for you, removing the stress and finding you the finance you need at the best rates and terms.

Why should you choose Buzz Financial to source your mortgage or finance as a doctor?

Independent Financial Advice

As independent financial advisors, we are not tied to any lenders or products.  Unlike going direct to a bank or lender who can only offer you the set products they sell, we can look at all products on the market and find you the best products and rates for your mortgage or finance as a doctor.

Finding out what we can offer is obligation and fee free so you know exactly what we can offer you before making any commitment.

We understand the complexities around securing mortgages and finance for doctors – we come recommended by doctors

We have worked with doctors at various stages of their career and understand that letters or contracts from employers rarely tell the full story about your remuneration package and duration of employment.  Many mortgage brokers and lenders do not understand the nature of trust grade jobs, locum posts, training posts that cross NHS organisations and deaneries or why HR departments often do not send out contracts of employment.  For Consultants, they often don’t understand the additional remuneration packages from pay awards, academic top-ups and private work.

By using Buzz Financial to source your mortgage as a doctor, you are choosing a company that understands medic finance and will make sure your earnings are properly represented.  This will mean less wasted time, less work and more chance of success.

The biggest marker of our success in finding finance and mortgages for doctors is that our clients continue to recommend us to their other medic colleagues – we would be happy to put you in touch with one of them if you wanted to hear their experience of using our service.

We are experienced with investment and managing your finances wisely

Many of the doctors who come to us for advice want to ensure their mortgages are the right choice if they move out of area or to a new deanery.  We have advice on taking mortgages to a new property, or transferring to a buy-to-let.  We understand the value of renting out property near hospitals and can help with mortgages that would be suitable for Houses in Multiple Occupation (HMOs) or sharers.  We know that many doctors are looking to invest or secure their future to allow them the flexibility of working less than full-time or taking early retirement.  We have helped clients through from buying their first home to building a property portfolio.

We can offer advice and support for financially protecting you and your family in the future

Your whole career as a doctor is dedicated to helping other people and it can sometimes be easy to forget about protecting yourself.  Buzz Financial can help you navigate the difference between income protection, critical illness cover and life insurance.

We understand the illness benefits you already get if you’re an NHS employee and the benefits of the NHS pension scheme if you contribute.  This means you don’t waste money paying for benefits you already have by using an advisor who doesn’t understand doctors.

We can help you find a policy that will pay out on an ‘own occupation’ basis which means you would be covered for the exact role you do (a surgeon or ophthalmologist for example) rather than being expected to move to another generic ‘doctor’ role.  We can help you understand the level of cover you would need to protect yourself and your family in the event of not being able to work due to illness or accident, or should the worst happen and you die.

Buzz Financial are South West based but cover all areas of the UK

We are a small and friendly company that is based by the seaside in the South West.  However, we have sourced finance and mortgages for doctors across the UK.  All our appointments can be done by telephone, Zoom or MS Teams and we can be flexible in working around your busy hours as a doctor.

Once we have talked remotely or face-to-face to understand your exact requirements, we will ask for a few documents such as identification, proof of address, proof of deposit and bank statements.  We can then do all the work for you!

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