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Locums mortgage specialist brokers

Mortgages for Locums

Mortgage advice for Locums

Many Professionals today work on a self-employed basis as Locums. These include Doctors, Dentists, Opticians, Pharmacists, Veterinary Surgeons, and Accountants.

The Locum trading status causes a problem for mortgage lenders. A mortgage lender will generally treat the Locum as self-employed, asking for two or three years trading history and proof of income before they will entertain the case. This is a problem if you have only recently started trading.

We can assist Locums who have started trading recently and are not in a position to provide two years trading figures. We do this by working with specialist Banks and Building Societies that have funds earmarked to provide our Locum clients with lending for these types of scenarios.

In order to arrange this type of borrowing, be prepared to present ideally with a good credit history and reasonable sized deposit (e.g. 15%) – although other situations can be considered. Each case is considered on its own merits, this gives you maximum opportunity to be successful with your mortgage application.

We can assist:

  • Locums with SA302’s
  • Locums with completed business accounts
  • Locums on PAYE
  • Locums with Umbrella companies
  • Locums on contracts
  • Locums with under one year’s trading

We help you online:

  • Without meetings
  • Without paperwork
  • Without fuss

Our Locum mortgage advice is:

  • Independent
  • Whole of market
  • Specialist

We help Locum:

  • Doctors
  • Dentists
  • Opticians
  • Pharmacists
  • Vets

Our lending options include:

  • Mainstream lenders
  • Locum specialist lenders
  • Exclusives
  • Poor credit options

It takes just:

  • 7 minutes to get started using our secure online form
  • 3 working days for mortgage decision in principle
  • 14 to 21 days for formal mortgage offer

Our fees are:

  • £99 to engage our services
  • £199 on full application
  • £499 on formal offer
  • Our full terms here

New to Locum work?

Find out how we arrange mortgages for Locum Doctors with just 6 months trading.


Service Reviewed - Mortgage Broker

Gave me daily updates without having to ask.

5 stars out of 5

Service Reviewed - Mortgage Broker

Brilliant, helpful, patient and friendly.

5 stars out of 5

Service Reviewed - Mortgage Broker

Can't praise you highly enough for the helpful and friendly advice and communication.

5 stars out of 5