doctor-visa-mortgage
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Doctor Visa Mortgage
James Bull talks us through the mortgage process for a doctor on a visa.
Can I move to the UK as a doctor? How long do I have to live in the UK before I can get a mortgage?
To move to the UK as a doctor, you would usually need permission to live and work here through a visa.
We don’t really give people advice on the type of visa they need to apply for, as mortgage brokers. But once you’ve got the visa, we can help you find a mortgage.
Some lenders will lend with no minimum time in the UK so, potentially, even on day one, we could have options.
What visa do doctors get in the UK?
As mortgage brokers, we don’t advise people on the type of visa they need. But once you’ve got a visa, everything’s in place and you’ve moved to the UK, we can definitely help you get a mortgage.
Can you get a medical visa in the UK?
We don’t give advice on the type of visa you might need, but once that’s in place, we can definitely advise which type of mortgage is the best one for your circumstances.
Does the NHS offer visa sponsorship?
As mortgage brokers, this is outside our remit. We don’t advise on visa applications or sponsorship. But once you’ve moved to the UK we can help you get a mortgage.
What are the lending criteria as a doctor with a visa? Which lenders will accept applications from a doctor with a visa?
We work with the whole of the mortgage market and we use over 100 lenders. They all have different criteria, so the lender we recommend would be the right one for a client’s individual circumstances.
What deposit does a doctor on a visa need?
Typically you need a minimum of 5% deposit to get a mortgage as a doctor with a visa [information correct at the time of recording in March 2026].
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Everyone’s different. You might be self-employed. You might have some credit history issues – whatever your situation, we will find the most suitable product available to you from across the whole market.
How much can I borrow?
The amount you can borrow is based on your individual circumstances. As part of our initial call, we’ll take all the details of your situation, and once we have that we’ll calculate how much you can borrow and advise you accordingly.
What documents does a doctor on a visa need to have ready?
To apply for a mortgage, usually you need proof of ID (your passport) and proof of address. We also need proof of your visa, which normally comes via a share code from the UK government website.
Then we need proof of your income from payslips and bank statements. Finally, you’ll need proof of deposit.
What if I have bad credit and want a mortgage with a visa as a doctor? How will this affect the process?
We definitely have lenders that will accept bad credit from doctors on a visa. The best thing to do is get in touch with us, send us a copy of your credit report and then we can look into that for you.
How does remortgaging a property work for a doctor on a visa?
Lender criteria is very similar for doctors with a visa when remortgaging. You can definitely remortgage and we will guide you through the process.
Can I get a Buy to Let mortgage on a visa as a doctor?
Yes, this is very easy. We definitely have lenders that will accept that.
How do I apply for a mortgage with a visa as a doctor?
The first step is to get in touch with us. We’ll take all the details and then look into the lenders, their criteria and the products available.
As mortgage brokers, we handle all the applications with lenders on our clients’ behalf. We manage all the paperwork and guide you through the whole process.
You’ve demonstrated how a mortgage broker can help – have you got anything else to add?
Obviously, we recommend the right deal for a doctor with a visa based on their individual circumstances. We handle the application and all the paperwork with the lender – right the way through until you get the keys to your new home.
Key Takeaways:
- Mortgage options may be available immediately upon moving to the UK, as some lenders do not require a minimum time of residency.
- Mortgage brokers, such as JB Mortgages, do not provide advice on visa applications, sponsorship, or the type of visa needed; their service begins once your visa is in place.
- The minimum deposit typically required for a doctor on a visa to get a mortgage is 5%.
- Lenders are available to assist doctors on a visa who have bad credit, as well as those looking to remortgage or secure a Buy to Let mortgage.
- The broker handles the entire application process, manages all paperwork, and recommends the right deal based on the client’s individual circumstances.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE MOST BUY TO LET MORTGAGES.
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