A Scottish Building Society Low Start Mortgage for Doctors allows you to borrow up to 80% of the purchase price or valuation of your new property in Scotland – whichever is lower. It also allows you to take advantage of interest only repayments during the first 3 years of the mortgage, reverting to capital and interest once the low start period is finished  You can borrow up to £350,000, depending on the size of the loan compared to value – so there’s plenty of scope to find the property that’s right for you.

Eligible Professions

Our Low Start Mortgage for Doctors is available to:

All qualified and practising medical doctors, including GPs, registrars and consultants

• Junior doctors

• Self-employed, locum doctors

Applicants should be over 21 and looking to purchase a property in Scotland.


We offer highly competitive rates, so if you already have a mortgage and want to switch to a better deal you can remortgage with us. To make things as easy as possible, you could borrow up to 80% of the valuation of your property. As our remortgage packages also include a free valuation and free legals, we can help you save money, too. And because you never know where your career might take you next, our Low Start Mortgage for Doctors is fully portable, so you can take it with you if you move house. 

Maximum Loan

The maximum LTVs for our Low Start Mortgage for Doctors is £350,000.

5 great reasons to choose a Low Start Mortgage for Doctors from the Scottish

  • A highly flexible mortgage that’s designed especially for you with the option of interest only payments for the first 3 years
  • Competitive interest rates
  • Quick lending decisions
  • Local in-branch mortgage specialists
  • An experienced mortgage provider, with a name you can trust

Contact Us

For new savings or mortgage enquiries, call us today on

0333 207 4007

Lines open 9-5 Mon to Fri (10-5 Wed). Calls may be recorded and/or monitored.

Existing Member Enquiries

To talk to us about an existing savings or mortgage account, contact your local office

Find your local office