Mortgages for Locum Doctors If you are thinking about getting a mortgage as a locum doctor or a doctor with multiple income sources we can help

how to get a mortgage as alocum doctor. It is achievable with the right mortgage advice

Locum doctor mortgage

Are you self employed or recieve ad-hoc payslips as a locum?

As a locum doctor you want to be sure your mortgage application is accepted without hassle or delay.

Our experience arranging mortgages for locum doctors for over 15 years gives you the edge buying a new home.

We will only use verified mortgage lenders who understand how locums are paid and will present your application so that you have the best chance of securing the mortgage you want.

Locums can often have multiple sources of income from a hospital trust, a medical staff agency or a GP Partnership to name but a few.

Earning additional income with locum work is very common nowadays, particularly amongst junior or trainee doctors in ‘F3’.

The flexibility and ability to choose when to work extra shifts is very appealing as you look to save up a deposit as a first time buyer

As a locum doctor or sessional GP with payslips but no contract or if you are self-employed you may not fit lender income criteria for a mortgage.

We can get you a mortgage as a locum doctor.

We can help all doctors looking for a mortgage

Mortgages for locum doctors or doctors with a portfolio are our speciality

We are experts in sourcing and arranging mortgages for doctors whatever stage you are at. We have an exceptional reputation for customer service. Deal with us and we’ll guide you through the mortgage application process from start to finish.

Thorough, professional and clearly proactive

We contacted Doctors Mortgages to arrange a remortgage with additional funds for home improvements after our fixed deal had ended and our own bank proved slow and unhelpful in meeting our needs.

David’s approach was thorough, professional and clearly proactive with the result that we not only ended up with a better deal than the one we would have got with our own bank but we also had David’s help, advice and reassurance all along the way to make sure our financial situation as doctors was fully understood by the lenders and underwriters.

In the end we were able to secure an excellent deal and would be very happy indeed to recommend Doctors Mortgages to any professionals looking for their first mortgage or a better deal on their existing one.

Name & address supplied
Hospital doctor, Gloucestershire

Cheerful, responsive and helpful!

Quick and straightforward advice and got me a good rate at a difficult time, particularly being self employed as locum. Very quick responses to queries, made my life very much easier!

Kate Lanary
Locum GP Bournemouth

Highly recommend!!

Having been through the mortgage application before with another company/mortgage broker, I can honestly say this has been the most stress free process. Our application was complicated by me being a newly locum/self employed GP, but David Marina has been exceptional mortgage adviser. We managed to secure a great deal with a bank that I didn’t think I would be able to get given the recent changes in my work contract. Speaking to someone who understands our type of work and pay as doctors and locum GPs meant I got better rates and mortgages deals. Highly, highly recommend! Thank you!

Dr D Ali
Locum GP, London

Saved a lot of heartache and needless stress

I just wanted to say a special thanks to David Marina for all his hard work and dedication to finding us a mortgage. I was a first time buyer and a junior doctor doing regular locums. David made the whole process run smoothly; he explained everything in simple terms as we went along and kept me updated on the process of the application at every stage.

Furthermore he was always available by email or phone when I needed information or to ask a question and he went out of his way to liaise with the estate agents in order to make the process easier for me. He took all the hassle out of finding a mortgage – I only wish I has gone to him in the first place as it would have saved a lot of heartache and needless stress.

I wouldn’t hesitate to use David again – what a lovely, knowledgeable chap!

Dr L McGimpsey
Junior Doctor, Leeds

Excellent service

David is a great mortgage advisor, very practical advice, always available, very friendly and approachable, happy to help answer any questions and got us a great deal, would definitely recommend. Our application was especially difficult as I had only been locumming for 2-3 months so most lenders would not offer me a mortgage, David knew exactly how to handle this and worked around it – very knowledgable about all aspects of Doctor specific mortgages!

Junior Doctor, Manchester

eased our worries and secured us a mortgage

My girlfriend and I would like to give a huge thank you to our mortgage adviser, David Marina, for helping with the purchase of our first home. As locum doctors with variable income, we were finding it difficult to secure a mortgage by approaching banks directly. David eased our worries and secured us a mortgage with Halifax in no time. Would highly recommend contacting doctors mortgages if you need help with what can be a confusing and stressful process! David was always available for a chat, and didn’t hesitate to answer any concerns / questions.

Max Hadlett
Locum Emergency Doctor, Chester

Highly recommended!

From start to finish Doctors Mortgages (in particular David Mariner) were brilliant! They managed to secure us a great mortgage rate when mortgage rates elsewhere continued to rise and they helped tremendously at navigating the process of securing the deal. They were easily contactable by phone and I never had to wait long to get an answer to any of my questions / concerns. I could not recommend them any more!

Roger Sepping
GP, London

Secured our first mortgage with ease, couldn’t recommend more!

David was our assigned mortgage advisor and I couldn’t recommend him or Doctors mortgages more. With recently becoming a Locum doctor 5 months ago I was worried we would struggle to obtain a mortgage for our first home. David took all of the stress off of our plate and completed our application on our behalf. Great communication throughout and an overall amazing experience!

Locum Doctor, Manchester

Your in safe hands with us

We take care of your mortgage journey from start to finish

Doctors Mortgages are one of the UK’s leading specialist Mortgage and Insurance Brokers. Our mortgage advice for doctors service can assist where others can’t.

We have almost 20 years experience arranging mortgages for doctors and helping the achieve their property goals. As we only advise medical professionals we have built up an enviable network of contacts at well known banks and building societies. We are ready to offer a solution in most lending situations.

Our mortgage advisers have knowledge of NHS contracts and doctors pay scales, General Practice earnings and career paths of junior doctors during and post foundation programme.

If you are a hospital doctor at any level or a salaried GP or GP partner talk to us about your mortgage. We can help if you have additional allowances, locum income or banding on top of your basic salary.

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