Mortgages for Locum Doctors

Mortgage Service for Locum Doctors

Special features of what we offer include:

• Whole of market service - we work with most UK lenders

• We work with lenders who will provide lending based on your employment as a medical doctor

• Access to leading market mortgage rates

• Access to exclusive loan deals not available on high street

• Fast turnaround - speak to us today if you need to move quickly

• We have lenders who will take into account previous defaults and missed payments 

• Looking to raise additional finance on top of your existing mortgage or buy to let mortgage? - we have access to a range of finance solutions

To investigate your mortgage options if you are a locum doctor call our mortgage team on 0117 403 4474 or fill in our call back form.

"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support. 

As your mortgage is such an important transaction, good advice is imperative.

Mortgages for Locum Doctors

Locum doctors may find that accessing the mortgage they need is more complicated than it needs to be. Some mortgage lenders may not be familiar with the structure of NHS salary bands or with the nature of NHS locum contracts, and may therefore offer you a mortgage deal that does not reflect your true financial circumstances and earning potential.

Although, as a locum doctor, you have a professional job and are likely to have an above-average income, it can be difficult to demonstrate this to a prospective mortgage provider due to the nature of many doctors’ work contracts and salary arrangements.

Finding the best mortgage deals for locum doctors

Searching for a residential mortgage as a locum doctor can sometimes be something of a fraught process – especially as your demanding professional role is unlikely to allow for hours spent researching the right mortgage deals for your situation. As a professional with a high income you may well not have expected to encounter issues with getting a mortgage deal.

However, mortgage lenders may not fully comprehend the true nature of your role as a locum doctor and may instead concentrate on the fact that your income, while it may be above average, is sporadic in nature. They may have fears that you will be unreliable when it comes to making mortgage repayments, due to the nature of your employment.

How a specialist mortgage for locum doctors could help

By approaching a mortgage broker who specialises in mortgage deals for locum doctors, you could benefit from:

• Expert advice and guidance to help you find the right mortgage deal for your circumstances, whether you are newly qualified or an established professional

• A quick and simple application process that takes into account the time consuming nature of your role

• Advice on which mortgage lenders to approach in order to maximise your chances of your application being accepted first time

We could help you find a lender who understands your requirements as a locum doctor and who will assess your application for a mortgage on a case-by-case basis – speak to our specialist team to help you find the right mortgage option for you. Call 0117 403 4474 or request a callback from our mortgage team.