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Can you get a mortgage if you are a locum

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Can you get a Mortgage if you are a Locum?

For many people, buying a house is one of the biggest financial decisions they will ever make. But for those who are locums, the process can be more complicated. Locums often face unique challenges when it comes to getting a mortgage, as lenders may be wary of their unpredictable income and lack of job security. However, with the right advice and preparation, it is possible to secure a mortgage as a locum.

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What is a Locum?

A locum is someone who works on an ad hoc basis in place of another professional. This could be in any field from medicine to teaching, but most commonly refers to medical professionals such as doctors and nurses. Locums are usually self-employed and have no guaranteed hours or salary. This makes them attractive to employers who need cover for short periods of time, but can make it difficult for them to secure mortgages due to their unpredictable income.

Understanding Your Finances

When applying for a mortgage as a locum, it’s important to understand your finances and have all your paperwork in order. Lenders will want to see proof of your income over the past few years, so make sure you have records of all your invoices and contracts ready to show them. You should also be able to demonstrate that you have enough savings set aside for any unexpected costs or periods without work.

Finding the Right Lender

Finding the right lender is key when applying for a mortgage as a locum. Many traditional lenders may be reluctant to offer mortgages due to the uncertainty surrounding your income, so it’s important to shop around and find one that understands your situation and is willing to work with you. There are also specialist lenders who cater specifically for self-employed people such as locums, so these may be worth looking into if you’re having difficulty finding an appropriate lender elsewhere.

Getting Professional Advice

It’s always recommended that you seek professional advice when applying for any kind of loan or mortgage – this is especially true if you’re a locum. A financial advisor will be able to help you understand your options and provide guidance on which lenders are most likely to approve your application based on your individual circumstances. They can also help ensure that all paperwork is in order before submitting an application, which can significantly increase your chances of success.


Getting a mortgage as a locum isn’t impossible – with the right preparation and advice it can be done! Make sure you understand your finances thoroughly before applying, shop around for the right lender and seek professional advice if necessary – then hopefully you’ll soon be on the path towards owning your own home!

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