FCA Regulated
Locum income
Practice owners
Student debt aware
The vet lending landscape
Vets often graduate with significant student debt after 5 years of study. Starting salaries, while improving, have historically been lower than other professions with similar training requirements. This combination means that getting on the property ladder can feel harder than it should be.
The good news is that certain lenders recognise the value of a veterinary qualification. Job security is high, career progression is strong, and demand for vets continues to outstrip supply. We connect you with lenders who see the bigger picture.
Veterinary income types
What you will need
- Proof of RCVS registration
- Employment contract or locum booking confirmations
- 3 months of payslips (employed) or accounts (self-employed/practice owner)
- Bank statements
Common questions
Does my student loan affect borrowing?
Vet students often have larger student loans than average because of the 5-year course. Lenders treat this differently. Some deduct the repayment from your income, others ignore it entirely. We find the most favourable approach.
Can I borrow to buy a practice?
A practice purchase is a commercial transaction and needs a different type of lending. We arrange both the commercial mortgage for the practice and a residential mortgage for your home, coordinating both.
I work nights and weekends, can I include that?
Yes. Out-of-hours payments, night shift supplements and emergency cover income can all be included if they are contractual or can be evidenced through payslips over 3 to 6 months.
What about locum vets from overseas?
If you are a vet working in the UK on a locum basis with the right to work, you can access UK mortgages. You will need evidence of your income and a minimum period of UK residency, which varies by lender.