Locum Doctor Mortgages
Are you a locum doctor or pharmacist looking for a mortgage? We can help. It's free to chat.
Get startedWorking as a locum doctor in the UK gives you freedom and flexibility, but it can make getting a mortgage more challenging. Traditional lenders often struggle to understand irregular income, multiple employers, or gaps between contracts. But that doesn’t mean you’re limited. Specialist mortgage providers recognise the unique working patterns of locums and offer tailored solutions. At Premier Mortgage Services, we focus on helping medical professionals like you secure mortgages – with expert guidance every step of the way.
Mortgage Advice for Locum Doctors
Mainstream lenders usually prefer applicants with a single, permanent contract and predictable income. For locum doctors, income may vary month to month, and work is often spread across different trusts or agencies. This can raise red flags with high street banks.However, specialist lenders take a more flexible view. They assess your overall earnings, look at contracts and evidence of regular locum work, and understand the professional stability behind your role. With the right presentation of your income, it’s entirely possible to secure a competitive mortgage.
What lenders look at
When applying for a mortgage as a locum doctor, lenders will usually consider:
• Your average locum income over the past 6–24 months
• Evidence of ongoing contracts or shifts booked in advance
• Bank statements and payslips to show consistency of earnings
• Your professional background – being a doctor carries weight with specialist lendersWhile some high street banks may see multiple employers as instability, specialist lenders understand that locuming is a standard and sustainable career choice in medicine.
Why Talk To Premier Mortgage Services?
We've been getting mortgages done for over 30 years and we specialise in those mortgages which aren't always that simple.
But why else should you choose to chat to us?
We offer:
✔ Clear, straightforward mortgage advice
✔ Direct access to specialist lenders
✔ Support tailored to your career stage
✔ Responsive and easy to reach
And what's more, the initial advice is completely free of charge.
Ready to get mortgage advice?
Ready to get personalised advice? One of our qualified mortgage brokers will be happy to help.
We can identify the right lender for your situation and help you obtain the necessary documents for your application to be processed and offered. Please contact us here or call us on 0115 9499988.
Think carefully before securing other debts against your home. You may have to pay an early repayment charge to your existing lender if you remortgage.
Arrange a free mortgage consultation
About us
In 2022 we celebrated 30 years of providing first-class whole of market mortgage advice to clients across the UK surpassing £2 billion pounds of client borrowing with the UK's most respected banks, building societies and specialist mortgage lenders.
Get to know usYou're in safe hands
Premier Mortgage Services is an Appointed Representative of Stonebridge Mortgage Solutions Ltd which is authorised and regulated by the Financial Conduct Authority.
There may be a fee for arranging your mortgage and the precise amount will depend on your circumstances. Our initial consultations are free, always.
Your home may be repossessed if you do not keep up repayments on your mortgage.