Guides
Plain-English finance for medical professionals.
Mortgages, protection and practice finance — written for the way medical and dental professionals actually earn. Educational only. Eleumi does not provide financial advice.
Mortgages
Remortgaging as a doctor or dentist
Coming off a fixed rate? Your income story has probably changed — and so have your options.
Protection
Critical illness cover for medical professionals
You see critical illness up close every day. Knowing which definitions actually pay out matters more than the premium.
Protection
Life cover for doctors and dentists
Life insurance for medical professionals is cheaper than most people think — and structuring it through a relevant life plan can make it cheaper still.
Protection
The NHS sick pay gap: what every doctor needs to know
NHS sick pay is generous — but it ends. Most doctors are dangerously underinsured for long-term illness.
Mortgages
Can junior doctors get a mortgage on a training contract?
Most high-street lenders treat junior doctors like contractors. Here's what specialist lenders actually do with NHS training pay.
Mortgages
Getting a mortgage as a locum doctor
Locum work doesn't have to mean a smaller mortgage. Specialist lenders use day rates very differently to high-street algorithms.
Practice Finance
Buying a dental or GP practice
Practice purchase finance is a specialist field. The wrong lender can derail an otherwise straightforward deal.
Mortgages
Associate dentist mortgage: why your bank said no
Self-employed associate income looks risky to mainstream banks. Specialist lenders read your UDA contract very differently.
Mortgages
GP partner mortgages: drawings, profits and goodwill
GP partners are taxed as self-employed but earn like consultants. Few lenders know how to read partnership accounts properly.
Buy-to-Let
Buy-to-let for doctors and dentists
Medical professionals often qualify for top-tier BTL products — if their adviser knows where to look.