03/06/2026
Securing a mortgage as a first-time buyer is always a milestone, but doing so with a complex income structure can feel like climbing a mountain.
As a young medical professional, balancing both employed (NHS contract) and self-employed (locum/private work) income made standard affordability calculators a nightmare. Fortunately, the specialist team at Barclays looked at the bigger picture.
They truly understood the unique career trajectories in healthcare, factored in both income streams, and successfully secured a 90% LTV mortgage offer with just a 10% deposit.
A massive thank you to the Barclays mortgage team for their incredible efficiency, sector expertise, and for making my first home purchase a reality! 🚀
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