Mortgages for Locum Doctors Explained
Locum Doctors often earn a really good salary, despite this, it can be more complex to get a mortgage.
Some of the concerns we often hear about from Locum Doctors are:
- I have a large amount of Student Debt
- I work on an ad hoc basis and my pay can be inconsistent
- I have gaps in my employment
- I have only been a Locum Doctor for a short period of time
Whatever your concern, we can help. We have experience with working with self employed people and contract workers.
The first steps will be to establish how you are paid. Which lenders we approach will be dependent on this. So, are you self employed? On PAYE? Or paid via an Umbrella Company? However you are set up, we have experience of helping someone like you.
We will take time to understand your circumstances and will know which lenders work for your situation. As well as the big high street banks, we also have access to specialist lenders who are more geared towards self employed people.
We know what documents you need to provide to the lender to meet their lending criteria. We also know how to package your income to maximise the likelihood of a successful outcome.
By using an experienced mortgage adviser like us, we can help guide you through this whole process and help make it as stress free as possible.
Contact us today for Mortgage Advice for Locum Doctors.
A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
Why choose us?
Our friendly, experienced team is based in the heart of Salisbury, Wiltshire. But we can help you no matter where you live in the UK. To find out more about us, visit our Meet the Team page.
Our team has:
- Over 80 years of experience in the mortgage and protection industry
- Close relationships with high street and specialist lenders
- We have over 100 five-star reviews on Google
- Have helped hundreds of self employed people access mortgages
How we work:
- Personalised, hard working service
- Search 1000s of deals from multiple lenders
- Detailed research to ensure you save money
- Take care of the paperwork to minimise stress
- By your side from application to completion
- The experience to get a good result for you
Contact us today for Mortgage Advice for Locum Doctors and see how we can help you get a successful outcome.
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Email Dan AllenDan Allen - Mortgage Adviser
Dan Allen has worked with mortgages for over 10 years. He takes time to understand different lender criteria. His wealth of knowledge means he will know which lenders will work for you situation. -
Email Dan HarrisDan Harris - Mortgage Adviser
Dan started working in the mortgage industry in 2004. Since then, he has helped lots of Sole Traders. Dan has great attention to detail and will do the hard work to ensure you get the best recommendation.