We have experience working with NHS and Private doctors and surgeons in Trainee, Junior, Locum, Agency, and Research positions, and partners of a Limited Liability Partnership.

Working as a Locum, either exclusively or alongside an employed position, can at times create irregular invoicing periods, which can be problematic for many mainstream lenders when assessing your income for lending purposes.

At Imperium Mortgages, we work with specific lenders who will accept Locum pay as permanent income.

We have experience working with nurses in Bank, Agency, Hospice, Theatre, and Community positions.

It’s a common misconception that nurses contracting via umbrella payroll companies (inside IR35) or working under their own Ltd Company will find it difficult to secure a mortgage due to the complex nature of their working hours and income streams.

At Imperium Mortgages, we understand the complexities of shift patterns, bank work, and overtime, and take this into consideration when positioning your application.

We work with specific lenders who allow for these variations, and may be willing to consider these as part of acceptable income, especially if you can show that they are a regular pattern in your employment history.

We have experience working with NHS and Private dentists in Trainee, Locum, employed and contracted positions, and partners of a Limited Liability Partnership.

Whether you’re working as a dentist through your own practice, as a Locum, via a Ltd Company, or through umbrella payroll (inside IR35), our knowledge and expertise in how best to position and present your income to lenders will ensure you maximise your borrowing capacity.

As with other Healthcare professions, Dentists are appealing to mortgage lenders based on their professional occupational status, stable employment opportunities, and high earning capacity.

However, finding a mortgage as a self-employed dentist can be a challenge, especially if you’re newly qualified, and if you’re a Ltd Company director, most mainstream lenders will expect to see 2-3 years of trading history.

Optometrists can be categorised by some lenders as Healthcare Professionals, who consider this occupational type in strong demand.

We have experience arranging mortgages for Optometrists working in the NHS and Private sectors. We know how to best present your income - whether it’s PAYE, locum, contracting, or a combination, and work with specialist lenders who understand your occupation type and chosen way of working, benefiting you in being able to maximise your borrowing capacity.

Lenders consider Pharmacists as a professional occupation with stable employment opportunities, whether it’s NHS employment, locum contracting, or a combination of both. We work with lenders who can consider multiple income streams, which benefits the individual by allowing them to maximise their borrowing capacity.