Standard forms weren't designed for clinical careers
Income that doesn't fit the standard form
NHS salary plus private clinic work, bank shifts, agency and locum income, limited-company earnings — healthcare income is often a mix, and presenting it clearly to a lender takes preparation.
Variable hours, real commitments
Earnings that change month to month don't mean you can't plan — but they do change what documentation lenders want to see and how affordability is assessed.
Your income depends on your body
Clinical work is physical. An injury or illness that stops you treating patients stops the income too — which makes protection a first-order question, not an afterthought.
Sick pay that steps down
Employer sick pay reduces over time, and for self-employed clinicians it may not exist at all. Understanding exactly what you'd receive — and for how long — is the starting point for any protection conversation.
If you work in healthcare, this conversation will feel familiar
Employed, self-employed, limited company, practice owner or a mix — your circumstances are assessed as they actually are, and explained back to you without jargon.
Questions healthcare professionals ask me
Can locum, bank or agency income count towards a mortgage?
It often can, but lenders differ in how they assess it — length of track record, contract history and documentation all matter. Part of my role is helping you present variable income in the way lenders need to see it. No outcome can be guaranteed; criteria vary by lender.
I work through a limited company — does that complicate things?
It changes what lenders look at — some assess salary and dividends, others consider retained profit. The right fit depends on your accounts and circumstances, which is exactly what an advice conversation works through.
What happens when NHS sick pay runs down?
NHS sick pay typically reduces in stages depending on your length of service, and eventually stops. Income protection is designed to address that gap — whether it is suitable for you depends on your circumstances, existing benefits and budget.
I'm newly qualified — is it too early to think about buying?
Not necessarily. Some lenders take a constructive view of newly qualified professionals with an employment contract. Even if buying is a year away, understanding deposits, affordability and credit early puts you in a stronger position.
Why does it matter that you were a physiotherapist?
Because I've lived the reality behind the paperwork — mixed NHS and private income, the physicality of clinical work, and what happens to earnings when your body needs a break. I don't need the healthcare context explained to me, which makes the advice conversation faster and more personal.
Do you only help physiotherapists?
No — I support nurses, doctors, dentists, pharmacists, occupational therapists, chiropractors, osteopaths, private clinicians and practice owners, among others. If you work in healthcare, the conversation will feel familiar.
Tell me about your situation — around your shifts, not ours
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What can I help you with?
Choose the area you'd like to discuss — there's no obligation and it only takes a minute.