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Fixed-term NHS trainee doctors criteria 

Criteria you can be certain about

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Only require completion of F1 training

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We can accept a higher future salary*

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Consider up to 100% of additional income

Our assessment process

We treat NHS trainee doctors on fixed-term contracts differently to other fixed-term contracts and our application requirements vary. For full details please see our criteria.

Case studies: Criteria made to support real-world situations

Let's see how MPowered can help your fixed-term NHS trainee doctor clients...
rashid
Meet Rashid
Rashid has lived in the UK for 2.5 years. He’s a trainee doctor and recently completed his Foundation training in the UK. Rashid has started his specialty training and is on a Skilled Worker visa, with his salary increasing to £45,000 per year. 
Scenario: He's purchasing a New Build house and is seeking 90% lending.  
How can MPowered Mortgages help?  
MPowered can offer up to 90% LTV for foreign nationals without permanent right to reside in the UK with no minimum income restrictions - subject to being in the UK for a minimum of 2 years and intending to remain in the UK.
We can also offer up to 90% lending on New Build properties.  
sarah
Meet Sarah
Sarah's been a trainee doctor for 3 years and is currently on a 1 year fixed contract. 
Scenario: She's remortgaging her current home and doing some additional borrowing for some home improvements. 
How can MPowered Mortgages help?
Although Sarah is on a fixed-term contract, we treat NHS trainee doctors differently to other contractors. All we'd need to see is a copy of her latest payslip and current contract. If Sarah wants to use her non-contracted overtime as part of the affordability, we'd follow our normal overtime criteria and request 3 months' payslips and latest P60. 
We can also consider facilitating additional borrowing for up to 85% for almost any legal purpose including home improvement purposes. 

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Mortgage and Protection Advisor, Mortgage Advice Bureau

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Mortgage and Protection Advisor, Zing Mortgages

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Owner, SJB Financial

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*We will require a copy of the onward contract or let from NHS trust confirming new income, hours worked, and start date.