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Brick2Brick Mortgage Solutions Ltd Specialist mortgage advice for medical professionals. London and Cheltenham. Registered Office 124 City Road, London, England, EC1V 2NX

Whole of market with nearly 100 lenders, and a proper understanding of how NHS salary, private practice and limited company income work together. Brick2Brick Mortgage Solutions Ltd an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Brick2Brick Mortgage Solutions is registered in England and Wales with company number 11900391.

A mortgage application is about more than just the numbers on paper.If you've recently had a mortgage application declin...
22/10/2026

A mortgage application is about more than just the numbers on paper.

If you've recently had a mortgage application declined, it's worth taking a closer look at why the lender reached that decision and what options may be available to you.

Every lender has its own criteria when assessing mortgage applications. Factors such as how your income is structured, your credit history, existing financial commitments and the way affordability is calculated can all influence the outcome.

This is where speaking to a mortgage adviser can make a real difference. They can help you understand the reasons behind the decision, review your circumstances and explore mortgage options that may be more suitable for you.

Sometimes, a fresh look at your situation can help you see a clearer way forward.

If you're considering your next step, let's have a conversation about your circumstances and the mortgage options available to you.

Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Working long clinical hours is demanding enough, so moving home or buying a new property can feel like another job on to...
21/10/2026

Working long clinical hours is demanding enough, so moving home or buying a new property can feel like another job on top of everything else.

But it doesn't have to be overwhelming.

If you're a doctor, nurse or other healthcare professional thinking about moving home, a little planning can make a real difference. Get your finances organised early, keep the mortgage process as simple as possible, look for appointment times that work around your shifts, and make sure you have the right mortgage adviser supporting you along the way.

The key is finding an approach that works around your schedule, not one that adds more pressure to it.

At Brick2Brick Mortgage Solutions, we understand that every situation is different. Having the right guidance can help you understand your mortgage options and take the next step with greater confidence.

Thinking about your next move? Let's have a conversation about how we can help.

Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

If you earn additional income through private practice, have you ever wondered whether it could help you borrow more for...
20/10/2026

If you earn additional income through private practice, have you ever wondered whether it could help you borrow more for a mortgage?

The answer is yes, potentially. But it depends on how that income is assessed by the lender.

For medical professionals, private practice earnings can make a real difference to your overall income. The key is understanding which lenders may consider those earnings, what evidence they need, and how your income is structured.

There are a few things worth looking at, including how your private practice income is declared and documented, whether the lender can take it into account alongside your main salary, and how your overall affordability and financial commitments affect the amount you could borrow.

The important thing is not to assume your options are limited to your basic salary.

With the right advice and preparation, you may be able to present a clearer picture of your financial position and explore more suitable mortgage options.

If you have a private practice alongside your main role, it’s worth having a conversation about how that income could work in your favour.

Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

If you run a limited company, how you take your income could make a difference when applying for a mortgage.Keeping your...
16/10/2026

If you run a limited company, how you take your income could make a difference when applying for a mortgage.

Keeping your salary low, taking dividends or leaving profits in your business may work for your tax planning. But have you considered how mortgage lenders might view your income?

Different lenders assess limited company directors in different ways, so understanding your options before applying can make a real difference to your mortgage planning.

In our latest blog, we look at how salary, dividends and retained company profits can affect your borrowing power, and why planning ahead is worth it.

If you’re a medical professional running a limited company and thinking about buying a home or reviewing your mortgage, this is worth a read.

Read the full blog to find out more.

Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

15/10/2026

Welcome to Paul Answers, where I talk through your mortgage questions and help make things a little clearer.

In this first video, I’m answering some common questions from medical professionals, including why getting a mortgage can still feel complicated even when you earn a good income, whether you can combine your NHS and private practice income, and how much you might be able to borrow as a consultant surgeon.

Medical professionals can have different income structures and financial circumstances, so understanding how lenders assess your income is an important part of the process.

If you work in healthcare and have questions about your mortgage options, I hope you find this useful. And if there’s something you’d like me to cover in a future episode, feel free to leave your question in the comments!

Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Buying a home is a big step, and having the right support along the way can make all the difference. 🏡But don't just tak...
14/10/2026

Buying a home is a big step, and having the right support along the way can make all the difference. 🏡

But don't just take my word for it!

I'm grateful to the clients who've taken the time to share their experiences working with Brick2Brick Mortgage Solutions. From making the process smoother to providing reassurance and guidance when it's needed most, it's always rewarding to know we've made a positive difference.

Every client's circumstances are different, and my aim is always to understand your situation and help you explore the mortgage options available to you.

Thinking about buying a home or reviewing your current mortgage? Let's have a conversation.

Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

If you’re a medical professional planning a mortgage review, a little preparation beforehand can make things much easier...
13/10/2026

If you’re a medical professional planning a mortgage review, a little preparation beforehand can make things much easier.

I’d recommend gathering your proof of income, such as payslips or contract details, along with your latest tax documents, details of your savings and deposit, and information about any existing loans, credit cards, or other financial commitments. It’s also worth having your ID and proof of address ready.

One thing worth remembering is that medical professionals can have quite different income structures. You might be working for the NHS, doing private practice, taking on locum shifts, or combining several sources of income.

Having a clear picture of your finances helps us understand your circumstances and discuss the options that may be available to you.

If you’re approaching your next mortgage review, getting these things ready is a good place to start.

And if you’re unsure about what you’ll need, that’s absolutely fine. Get in touch, and we can talk it through.

Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

You might think it is something to do once you have found a property.But for medical professionals, I would usually sugg...
09/10/2026

You might think it is something to do once you have found a property.

But for medical professionals, I would usually suggest having the conversation earlier.

Especially if your income includes things like NHS salary, on-call payments, additional sessions, private practice, locum work or limited company income.

It can also be useful to speak to someone before a career change, when starting private practice, or before assuming how much you can borrow.

The reason is simple: lenders can assess different types of income in different ways.

So rather than finding a property first and then working backwards, it can be helpful to understand your options before you start looking.

Thinking about buying? Speak to a specialist before you start house hunting.

Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Earned well, but the mortgage figure seems lower than you expected?It is worth taking a closer look at how that figure w...
08/10/2026

Earned well, but the mortgage figure seems lower than you expected?

It is worth taking a closer look at how that figure was worked out.

Sometimes, the number you have been given is only an illustration, rather than a calculation based on your own circumstances. It is also possible that not all your income has been taken into account.

If you earn through both NHS work and private practice, for example, lenders may assess those income sources differently. And because every lender has its own criteria, the amount you could borrow may vary depending on how your income is assessed.

So, if the figures do not seem to add up, do not assume that is the most you can borrow.

It may be worth getting a second opinion and having your full income picture reviewed against suitable lender criteria.

Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Your mortgage assessment is not always just about your basic NHS salary.When I look at a consultant’s case, I want to un...
07/10/2026

Your mortgage assessment is not always just about your basic NHS salary.

When I look at a consultant’s case, I want to understand the full income picture.

That can include your NHS basic salary, on-call income, additional sessions, private or locum work, and, where relevant, income from a limited company such as salary, dividends or profits.

The important part is that lenders do not all assess these income sources in the same way.

So, rather than looking at one figure and assuming that is your borrowing limit, it is worth having the full picture assessed.

It could make a difference to what is available to you.

Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Address

124 City Road
London
EC1V2NX

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm
Saturday 8:30am - 12pm

Telephone

+442071395130

Website

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