27/08/2026
You can earn £180,000+ a year and still be told you can't borrow what you expected.
It happens more often than you might think with medical consultants.
Why?
Because your income may not fit neatly into one PAYE box.
You could have:
• NHS basic salary
• On-call payments
• Additional sessions
• Private practice income
• Locum work
• Income through a limited company
And different lenders can assess those income streams very differently.
So sometimes the issue isn't how much you earn.
It's how much of your income the lender is prepared to recognise.
That's why, when I'm looking at a consultant's mortgage, I want to understand the whole income picture before deciding which lenders might be suitable.
Your income isn't necessarily complicated.
It may just be misunderstood.
If you're a medical consultant and the borrowing figure you've been given doesn't seem to reflect what you actually earn, feel free to message me for a second opinion.
