Essential Mortgages



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Mortgages for vets

Our team of fully qualified mortgage experts specialises in finding great mortgages for vets and other medical professionals.

Finding the right mortgage can be a nightmare and especially for those people in professions where time is extremely precious. We understand how hard medical professionals work and that’s why we pride ourselves on providing outstanding customer service.

Mortgages for vets can also be extremely simple so it’s not necessarily that your application will be difficult because of your occupation.

According to figures from there are 29,000 practicing veterinary surgeons in the UK in 2022. You can chose any one of ten veterinary schools to train to become a vet, and the average wage is £42,500 currently.

About mortgages for vets UK

Mortgages for vets are often relatively normal in terms of the application process and will get the same high street rates. There are however some occasions where your mortgage might be slightly more complicated for a number of reasons.

It can be confusing to find the best mortgage from thousands of potential deals and especially if your circumstances are complicated. Our team of fully qualified mortgage experts works with medical professionals, including vets, to help them get the best rates.

Some of the key areas where we specialise in for vets mortgages:

  • Self employed vets
  • Business owners (inc. partnerships and Limited Companies)
  • Trainee vets
  • Vets with multiple incomes
  • New vets

Other areas of mortgage advice we offer:

To get the best mortgage deals and rates for you, we’ll search our 50+ lenders to save you time and money.

Types of Mortgages from Essential

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    New Mortgage

    When you buy a new home then you’re likely to need a mortgage which can be either as a first time buyer or a previous borrower. There are lots of things to think about when you buy a new home such as which types of mortgage work for you?

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    People will often remortgage their home several times which can save money or release equity. There are several reasons why you might want to raise money, such as home improvements, debt consolidation, or for big purchases.

  • Extreme Sports Icon

    Buy to Let

    The property investment market in the UK is booming and there are more and more people looking at buy to let. You can use savings to pay for a deposit and buy an investment property to provide you with another income.

Is it difficult to get a mortgage as a vet?

Generally the answer is no, in the majority of applications for home loans and mortgages for vets that we help with.

There are a number of reasons why a mortgage application might be more complicated for vets, which can be similar to many other loans. Some of the key areas where potential borrowers can find things more difficult are:

  • Bad credit
  • No accounts or limited accounts
  • Complex income
  • Non-standard construction
  • Self-build projects

We can offer help in all of these are and make sure that you get the best mortgage deals regardless of your circumstances. Complex mortgages for vets is an area that we specialise in and can certainly help with.

Mortgage advice for vets

It’s important to get good mortgage advice from a team of experienced and qualified mortgage advisors.

A specialist in mortgage advice for vets will understand details about your profession and the fundamental rules for underwriting. There may be mortgage lenders that can provide quicker and easier access to the best rates, which is also where an experienced advisor will be able to help.

Our team of fully qualified mortgage experts has helped hundreds of vets to get the best mortgage rates. It is important to look at lenders and interest rates carefully to determine the best possible deal.

Mortgage broker for vets

The benefits of dealing with a mortgage broker can mean that you have more options, wider choice, and a greater chance of success.

A mortgage broker for vets might also have a number of specific products and lenders who offer better deals for your occupation. There are many reasons why mortgages for vets can be slightly more complicated than standard applications.

You should make sure that you explore all options and you must be confident in the loan officer or broker that you choose to deal with.

How does income work for vets mortgages?

Often there are no major issues in processing mortgage applications for vets when it comes to income and expenditure. It is as simple as deciding on the loan amount needed and evidencing your income.

All mortgage lenders will use a similar process and calculation for assessing affordability, however, there will be differences in levels and multiples. When you look at income for a mortgage then you might fit it to one of several categories.

  • Self employed income where you might be classed as a sole trader, partnership, or director of a limited company. Most lenders will assess this type of income as normal using income multiples of salary and dividends. Usually you will be required to show three years of accounts and/or tax returns (SA302’s)
  • Self employed with less than three years accounts is also an option as you might have started your company more recently or changed role. There are several options for this type of mortgage application depending on your circumstances and situation
  • Student loans and debts is also often an issue with mortgages for vets and especially for newly qualified vets. This can be an extremely long and costly profession to get your qualifications and therefore the chances of student debt is very high. Most lenders will factor this in with their affordability calculations

If you are unsure about your income and affordability for a mortgage then you can contact our team of qualified experts for help.

For more information on securing a mortgage when self employed CLICK HERE.

For our guide on using an SA302 to evidence self employed income CLICK HERE.

Mortgage for new vets

If you’re new to the profession and you want to buy a home and take your first step on to the property ladder, remortgage an existing property, then we can help.

Most lenders will consider mortgage applications for people who are new to a particular job or have re-qualified. You might find that your options are slightly more limited if you do not have full employment history or if you have just started a new business.

There are also other options for new vets that might help:

  • Guarantor mortgages (e.g. parental guarantee)
  • Joint mortgages (e.g. partner or friends)
  • Shared ownership

Getting the best mortgage for new vets is often just about knowing what your options are and how to find the best deal.

Mortgages for self employed vets

It is also common for vets to be self employed or classed as self employed due to them owning their own practice.

If you are a business owner or sole trader then you might find it more complicated to get a new mortgage or remortgage. There are lots of different options that are available to people who are self employed and it’s often best to get advice from a specialist.

If you are self employed or a business owner then here are some of the main points to think about:

  • Accounts
  • Accountants references
  • Company trading history
  • Salary and dividend
  • SA302s

Our team of fully qualified mortgage advisors will help you to find the best rates and deals for your circumstances. We’ll search over 50 lenders and make sure that we take the stress out of your mortgage application.

Best mortgage lenders for vets

In the UK there are around 100 different mortgage lenders, including some of the common high street lenders that you’ll already know.

We understand how complicated it can be to find the right mortgage lender for vets and how busy you can be. Our team of fully qualified mortgage experts will search over 50 lenders to get the right deal for you.

Our mortgage lenders for vets include:

  • Accord Mortgages
  • Barclays
  • Halifax
  • HSBC
  • Natwest
  • Newcastle Building Society
  • Santander
  • And more…

The best lender for you will be based on the following:

  • Type of mortgage
  • Mortgage deal
  • Credit history
  • Income and income structure
  • Loan to Value (LTV)

We’ll take the stress and hassle out of getting the best deal from our panel of top lenders.

Mortgages for vets with bad credit

It is also common in the modern economic climate that you might have some issues with a history of bad credit. Lenders will have an ideal minimum credit score for lending, so if your credit report falls below this it can cause complications.

There are many different levels of poor credit and credit scores, so your circumstances will often be unique to you. Finding the best deal with mortgages for vets with bad credit can be confusing and extremely costly if you don’t get the right advice.

Some of the main areas where we specialise include:

We’ll help you to understand your options and find the right deal for you based on your history and situation.

For more information on getting a mortgage for vets with a bad credit history CLICK HERE.

Mortgage specialists for vets

As a vet, we appreciate that your time is precious and how important great service will be.

There are also lots of challenges when applying for a mortgage as a vet, which is something we specialise in. There’s nothing worse than paying more than you should or wasting your time on bad advice.

You will need someone that understands exactly what you need and how mortgages work for medical staff. We are experts in all types of mortgages from conventional mortgages to buy to let, poor credit mortgages and many more.

essential MORTGAGES is authorised and regulated by the financial conduct authority, meaning you can rest assured that you are in safe, professional hands with our expert team.

Useful resources

Citizen’s Advice – Buying a home – Working for yourself – Affordable home ownership schemes – Help to Buy: Equity Loan

Own Your Home ( – Help to own your home

Essential Mortgages is a leading mortgage expert