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Locum & Agency Doctors
Specialist Mortgage Advice For Locum Doctors
Working through locum agencies, NHS banks or short-term contracts? We help you find lenders who understand variable medical income.
Locum Doctors
Your Locum Career Deserves Specialist Mortgage Advice
Understand how lenders may assess income from locum, agency and short-term medical work.
01
Locum History
The minimum locum history lenders ask for varies, from around 3 months at some lenders to 6 or 12 months at others.
02
Averaged Income
Because locum earnings vary, some lenders average your income over a period, such as the last 12 months for agency work.
03
Evidence of Income
Expect to provide invoices or payslips and recent bank statements. Some lenders ask for 6 months of invoices or payslips and 3 months of bank statements.
04
How Much Is Counted
Lenders may not count all of your variable income. For example, some use 60% of sustainable variable income for self-employed locums.
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FAQ
Common Questions
Everything you need to know about mortgages for locum and agency doctors
Can locum doctors get a mortgage without a permanent contract?
Yes. Several lenders publish criteria for locum doctors and assess your income history rather than requiring a permanent contract. The minimum history required varies between lenders.
I've recently become a locum. Can I still apply?
Possibly. Some lenders will consider locum doctors with as little as three months' income, while others ask for six or twelve months. Specialist advice can help you find a lender whose criteria fit your history.
How is locum income calculated for a mortgage?
It depends on the lender. Some average your earnings over a period, such as 12 months, and some apply a percentage to variable income. For example, some lenders use 60% of sustainable variable income for self-employed locums.
What documents will I need?
Lenders commonly ask for invoices or payslips covering several months, along with recent personal bank statements. For example, some ask for 6 months of invoices or payslips and your latest 3 months of bank statements.
Is NHS bank shift income treated the same as locum income?
Not always. Lenders treat bank shift income differently, and some locum income policies exclude certain types of bank work, so it's worth checking each lender's criteria before you apply.