Mortgages for pharmacists and opticians
Mortgages for pharmacists and opticians
Pharmacists and opticians may be employed, work as locums, or own a practice. Tony helps you understand how lenders may view your income and compares options from over 100 lenders.
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- Advice for pharmacists and opticians
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Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
How Tony can help pharmacists and opticians
Employed, locum and practice-owner income can each be assessed differently. Tony helps you present yours clearly.
What lenders may look at
- Employed applicants are usually asked for recent payslips, a P60 and employer details.
- Locums are often assessed like self-employed applicants, using accounts or tax calculations.
- Some lenders offer professional mortgage products, particularly for larger loans.
- Practice owners are usually asked for business accounts.
Meet your adviser
Hi, I'm Tony Flynn
I'm a mortgage and protection adviser based in Carluke, helping people across Lanarkshire and Scotland.
I've spent 15+ years in finance and have been named Mortgage Professional of the Year at the Prestige Awards Scotland five years in a row. I'll explain your options in plain English so you know exactly where you stand.
Pharmacists and opticians mortgage questions
Are there mortgages for professionals?
Some lenders offer products for certain professions, particularly for larger loans. Availability and criteria vary and nothing is guaranteed.
I work as a locum. How will lenders see my income?
Some lenders treat locum work like self-employment and may ask for a track record or accounts. Tony can check which lenders may suit you.
Can you help if I am buying a practice?
Buying a business is separate from a residential mortgage and may need specialist finance advice. Tony can help with your home mortgage.
Do you charge a fee for mortgage advice?
There may be a fee for mortgage advice. The amount depends on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed. We will explain this before you commit.
Can you help with protection as well as a mortgage?
Yes. Tony can also advise on life insurance, critical illness cover and income protection alongside your mortgage.
Related pages
More advice for people in similar situations.
Ready to talk it through?
A quick chat with Tony is a good first step. No jargon, no pressure.
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