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Mortgage Advisor & Director
Can I get a mortgage as a locum doctor or nurse?
We recognise that doctors and nurses have particular requirements when getting a mortgage. Our experienced team of advisors have access to deals inaccessible to the general public, including lenders specifically for medical professionals.
Working as a locum doctor or nurse means you will likely have changeable shifts and working patterns, potentially with gaps in employment.
If you are in other employment, you may top up your existing salary by taking on extra locum work, and you would be keen for a mortgage lender to take into account this extra income.
Lenders that consider locum workers will use an average calculation of your last few months or years income as a basis of earnings.
Mortgages for self-employed doctors
Unlike the majority of self-employed people, getting a mortgage as a self-employed doctor is relatively straightforward.
While there are lenders who will not consider your application without two to three years of accounts demonstrating a secure income, specialist lenders may accept your application with a year or even less in certain situations.
Contact our team today
Our team of experienced advisors can recommend specialist lenders for the medical profession.
As a whole-of-market service, we can access deals not accessible to the general public, including lenders who specifically deal with medical professionals.
PHOTO COPYRIGHT Tessy Agbonome
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Read reviews from previous clients and make sure they provide a clear explanation of the products and services they offer, as well as the fees and charges associated with them.
Last updated 4 March 2024