Mortgages Built for Locum & Agency Doctors
Specialist mortgage solutions for doctors working through locum agencies, NHS banks, or short-term contracts, with lenders who understand variable medical income.
Specialist Lenders for Locum Doctors
Access to over 120 UK lenders, including those experienced with medical professionals
Mortgage-Tek works with lenders who understand locum doctor income, NHS bank shifts, agency payments, and short-term contracts.
We ensure income is assessed fairly, not penalised for flexibility.
Understanding Locum & Agency Doctor Mortgages
Mortgages designed for doctors with flexible working arrangements
Locum and agency doctor mortgages are tailored for medical professionals working on temporary NHS contracts, agency placements, or bank shifts. Lenders assess averaged income, contract continuity, specialty demand, and historical earnings rather than relying solely on permanent employment status.
Mortgage Options for Locum Doctors
Flexible solutions reflecting medical career progression
Residential Mortgages
Designed for locum doctors purchasing a main residence, with income averaged across contracts, NHS shifts, and agency placements to reflect true earning potential.
Fixed-Rate Mortgages
Offers predictable repayments for doctors seeking stability, even when working variable shifts or changing placements across hospitals or trusts.
First-Time Buyer Mortgages
Suitable for doctors comfortable with interest rate changes, often chosen when income is strong and contract availability is consistent.
Remortgage Options
Allows locum doctors to secure better rates, release equity, or restructure borrowing using updated earnings and contract history.
Buy-to-Let Mortgages
Ideal for doctors investing in property, with lenders considering locum income alongside rental projections for affordability assessments.
Is This Mortgage Right for You?
Designed for doctors working outside permanent NHS roles
This mortgage suits doctors earning income through locum agencies, NHS banks, or short-term contracts.
- NHS locum doctors working across multiple trusts
- Agency doctors on rolling or short-term contracts
- Doctors combining NHS bank shifts and agency work
- Medical professionals transitioning from training to locum roles
- Doctors seeking residential or investment property mortgages
What Lenders Look For
How locum doctor income is assessed
Contract History
Most lenders require 6–12 months of locum or agency work, though some accept shorter histories for in-demand specialties.
Income Assessment
 Income is usually averaged over 12–24 months using payslips, agency statements, or bank statements to reflect sustainable earnings.
Credit Profile
 A strong credit history improves access to high-street lenders, though specialist lenders may accept minor adverse credit.
Specialty & Demand
Doctors in high-demand specialties may access more flexible lending criteria due to strong employment continuity.
Deposit Requirements
 Deposits typically range from 5–20%, depending on lender appetite, income stability, and property type.
Affordability Stress Testing
Lenders assess expenses and stress-test repayments against potential interest rate increases.
How Much Can I Borrow Calculator
Borrowing based on locum doctor income
Borrowing is calculated using averaged locum income, specialty demand, contract consistency, and personal expenditure. Mortgage-Tek structures applications to maximise borrowing without overstretching affordability.
Your Estimated Borrowing Amount
Mortgage Specialists for Medical Professionals
Trusted by doctors across the UK
Mortgage-Tek specialises in doctor mortgages, ensuring locum income is assessed accurately and fairly by lenders who understand medical careers.
Medical-Specialist Lenders
We work with lenders experienced in NHS, agency, and locum income structures, improving approval chances significantly.
Income Averaging Expertise
We present income correctly, averaging earnings across contracts to reflect long-term sustainability rather than short-term fluctuations.
Support for Career Transitions
Ideal for doctors moving from training to locum work or switching agencies without disrupting mortgage eligibility.
Transparent Comparisons
Clear comparisons of rates, fees, and lender criteria help doctors make confident decisions.
Fast, Managed Applications
Streamlined processes reduce delays caused by complex income documentation.
Long-Term Mortgage Planning
We help doctors align mortgages with career growth, future earnings, and property investment plans.
FAQs
Can locum doctors get mortgages without permanent contracts?
Yes. Many lenders accept locum doctors by assessing income history, specialty demand, and contract continuity rather than permanent employment.
Our Partner: https://contractormortgagesolutions.co.uk/
How is locum income calculated for mortgages?
Lenders usually average income over 12–24 months using agency payslips, invoices, or bank statements.
What deposit do locum doctors need?
Deposits typically start from 5%, though higher deposits may improve lender choice and interest rates.
Are NHS bank shifts accepted?
Yes. Regular NHS bank shifts can be included if income is consistent and well-documented.
Can I apply if I’ve recently become a locum?
Some lenders accept doctors with as little as 3–6 months of locum history, particularly in high-demand specialties.
Can locum doctors remortgage?
Yes. Remortgaging allows doctors to secure better rates or release equity based on updated income.
Can locum doctors get buy-to-let mortgages?
Yes. Lenders assess locum income alongside rental income projections for investment properties.