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Locum Mortgage


Locum Mortgage Specialists

Doctors’ Mortgage Now provides a bespoke locums’ mortgage advice service to locum doctors.

We are highly experienced in dealing with locums on short-term contracts. This experience, coupled with our online systems and our mortgage funding channels through specialised lenders, makes us unique in the market.

  • We regular assist – Locum Doctors with under 12 months trading history
  • Arranging – exclusive Locum Doctor mortgages at competitive rates
  • Transacted online – without meetings, without paperwork, without fuss
  • Deposits – from as little as 10%

How We Arrange Mortgages for Locums

Not having a permanent employment contract means that mortgage lenders will consider you to be self employed.

In order to arrange a mortgage from most sources, you will need to provide evidence of two or three years trading income as a locum.

For many locum applicants, this is simply not possible.

We have addressed this problem with specialised professional lenders and arranged a source of funding for our locum clients at up to 90% loan to value. This funding is underwritten on a bespoke basis. Our locum products carry no loading of mortgage rates.

Why You As a Locum Doctor Should Use Us For Your Mortgage Requirements?

  • Mortgages at up to 90% loan to value
  • Each locum case underwritten on its own merits
  • All types of mortgages handled for locum doctors
  • Whole of market service including locum doctor mortgage exclusives
  • Expertise – we deal with locum doctors every day
  • 24 hours a day, 7 days a week – times to suit you
  • No face to face meetings necessary
  • No paperwork to complete

Locums’ Promise

We understand how busy doctors are – so be assured of a rapid turnaround from a locum specialist who truly understands your needs. We can usually arrange a mortgage offer in principle for a locum within 24 hours.

For more about our Doctors’ Mortgage service, please view our Mortgages for Doctors video