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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?
Locum Doctors often tell us that getting a mortgage can be more difficult. And, we often hear that Locum Doctors have been turned down for a mortgage in the past because of the way you are paid.
Ultimately, you want to trust you are getting the best deal for you and that you are saving money. You can be confident with us because:
How we can help:
- Is your time is precious? We can do the research for you across 1,000s of mortgages
- Don’t want more paperwork in the evening? We’ll take care of all if that
- Can’t make phone calls during the day? Speak to us in the evenings and weekends
- Find it easier to talk things through? We’re at the end of the phone with appointments available today
- Save time, money and stress with us
How we work:
- Personalised, hard working service
- 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
Choose us for Mortgage Advice for Locum Doctors and we will simplify the mortgage process and maximise your mortgage lending.
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Dan 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. -
Dan 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.