Mortgages Tailored for Locum Professionals
 Working as a locum can make securing a mortgage challenging. Short-term contracts, variable pay, and irregular income often confuse high street lenders. Mortgage-Tek specialises in helping locums access competitive mortgage solutions by presenting your income accurately to specialist lenders. Whether you’re buying your first home, remortgaging, or investing in property, we provide clear, professional guidance every step of the way.
We work with more than 120 mortgage lenders, including
Why Locum Mortgages Are Different
Specialist Solutions for Irregular Income
 Locum professionals face unique challenges when applying for a mortgage. Short-term contracts, variable pay, and fluctuating assignments make it difficult for traditional lenders to assess affordability. Mortgage-Tek works with specialist lenders who understand the locum profession and structure applications to reflect your true earning potential. This approach ensures you access the borrowing power you deserve without unnecessary delays or rejections.
Key Benefits:
- Income Recognition: We consider contracts, assignments, and average earnings to present your income accurately.
- Specialist Lender Access: Partnering with lenders who understand the locum sector ensures more mortgage options.
- Flexible Solutions: Tailored mortgages that adapt to your contract length and income variability.
- Time-Saving Support: We handle all documentation and communication with lenders on your behalf.
Your Estimated Borrowing Amount
Who Can Apply
Mortgage Solutions for Healthcare Professionals
 Locum mortgages are designed for medical and healthcare professionals whose income comes from short-term contracts or variable assignments. Mortgage-Tek ensures your earnings are accurately presented to specialist lenders, helping you secure the mortgage you need.
Eligible Applicants Include:
Locum Doctors
NHS and private locums with flexible contracts.
Locum Nurses
Professionals with temporary or rotational assignments.
Allied Health Professionals
Physiotherapists, radiographers, and other locums with non-standard income.
First-Time Buyers & Remortgagers
Locums entering the property market or looking to optimise existing mortgages.
Investors & Portfolio Builders
Locums looking to expand into buy-to-let properties.
Services We Provide
Tailored Mortgage Solutions for Locums
Mortgage-Tek offers a range of mortgage services designed specifically for locum professionals. We understand the complexities of variable income and short-term contracts, ensuring your full earning potential is recognised when applying for a mortgage.
Our Services Include:
First-Time Buyer Mortgages
Helping locums enter the property market with confidence.
Remortgages
Switching lenders or improving terms while accounting for variable income.
Buy-to-Let Mortgages
Assisting locums looking to invest in rental properties.
Portfolio Expansion
Supporting locums to grow and manage multiple properties efficiently.
Flexible Repayment Options
 Structuring mortgages to accommodate fluctuating income without penalties.
Why Choose Mortgage-Tek
Expert Guidance for Locum Professionals
 Mortgage-Tek specialises in helping locum healthcare professionals secure mortgages despite short-term contracts and variable income. We combine years of experience, direct access to specialist lenders, and tailored advice to maximise your borrowing potential. From initial consultation to mortgage completion, we manage the process professionally and efficiently.
Specialist Expertise
Extensive experience helping locums navigate complex mortgage applications.
Direct Lender Access
Partnerships with lenders who understand the locum sector.
Tailored Solutions
Applications structured around your full income, not just standard payslips.
Transparent Process
Honest, jargon-free advice at every stage, ensuring clarity and confidence throughout your journey.
Ongoing Support
Continuous guidance from your first mortgage to remortgaging and future property investments.
Speed and Efficiency
A streamlined process designed to secure the right mortgage quickly and without unnecessary delays.
Contact Us
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Get in Touch For Our Expert Mortgage Advice
Looking for the right mortgage solution? Whether you’re securing a better rate, switching deals, or exploring let-to-buy options, our experts are here to help. Get in touch today for tailored mortgage advice and find the best deal for your needs—hassle-free and straightforward!
| Call Us | 020 3827 8558 |
| Email Us | info@mortgage-tek.co.uk |
| Address | 31, Metro Centre, Dwight Rd, Northwood, Watford WD18 9SB |
| Opening Hours | Mon–Fri (8:30am–7pm) Sat (9am–5pm) |
Frequently Asked Question
Can I get a mortgage if I’ve just started working as a locum?
Yes. Specialist lenders accept short-term contracts and consider your average earnings over the last 3–12 months.
How is my income assessed as a locum?
 Lenders take into account contracts, assignments, and historical earnings to calculate your affordability.
Do locum mortgages have higher interest rates?
 Not necessarily. With the right lender, rates are competitive and comparable to standard mortgages.
Can I remortgage as a locum?
 Absolutely. Many locums refinance to secure better rates or release equity while continuing contract work.
What documentation is required for locum mortgages?
 We guide you through the paperwork, typically including contracts, payslips, and bank statements.