The leading specialist mortgage broker for Locums
Our advisors understand the complex nature of healthcare incomes and how they can cause difficulties in getting the mortgage you want. We have trusted relationships with specialist healthcare lenders and access to exclusive deals. Our service is fee free so what do you have to lose?
I just started work as a Locum.
Doctors Mortgages were able to
get me a mortgage
using just three months
payslips.
50,000+ mortgages placed
20,000+ satisfied clients
Highly rated
Take the confusion and pressure out of applying for a mortgage with Doctors Mortgages Online. We have over 20 years of experience sourcing mortgages for locum doctors from specialist brokers that are tailored for medical professionals.
The nature of working as a locum doctor means that you won’t have a permanent employment contract, so you’ll be viewed as self-employed by traditional lenders, making securing a mortgage more difficult.
High street lenders prioritise mortgages for those who can prove they have a steady income stream. When it comes to doctors like locums who work on a self-employed basis, lenders require two to three years’ worth of accounts when applying for a mortgage, which isn’t always possible for locum doctors due to scattered working patterns.
The team at Doctors Mortgages Online has a wealth of experience in finding locum doctor mortgages for those looking to buy their first home, relocate, or invest in property. Unlike high street banks, specialist lenders understand your unique circumstances working as a locum and as a contractor for the NHS with varying working hours and irregular payment schedules.
Whether you are registered as a sole trader, a limited company, or are paid directly by your NHS trust, a specialist online mortgage broker like ours can help you get the best locum doctor mortgage rates for medical professionals who have been working for as little as three months.
We’ve built up relationships with trusted specialist lenders who understand the complexities of working as a locum doctor and will not penalise you for it. Each application we process for locum doctors is tailored to your individual situation, securing a doctors mortgage on terms that work for you.
Let our online mortgage brokers guide you through the application process. When you put your trust in us, you can rest assured that you are in good hands. We can access mortgages that aren’t available anywhere else on the high street whether you have been working as a doctor locum for years or just a few months.
With Doctors Mortgages Online, you won’t experience any pesky delays or rejections when applying for a mortgage, so start your journey to a new home today!
Take the confusion and pressure out of applying for a mortgage with Doctors Mortgages Online. We have over 20 years of experience sourcing mortgages for locum doctors from specialist brokers that are tailored for medical professionals.
Don’t waste any more time, get in touch with our expert advisors today and let our free service take the hassle out of getting a mortgage.
A real world mortgage case
Ronan
Why use Doctors Mortgages Online?
When you are busy working as a locum doctor, nothing is more disheartening than putting all your efforts into a mortgage application only to face lengthy delays or rejection.
On top of this, you can have unpredictable shift patterns, which can make it difficult to find the time to apply in the first place. When you approach high street lenders for a mortgage, you may not have the correct duration of financial records to back up your income and prove your affordability to borrow from them. Standard lenders will only view you as self-employed and not make allowances for the type of work that you do and your high earnings.
At Doctors Mortgages Online, We have worked closely with lenders to help them understand the varying nature of a doctors pay. This in turn has helped us secure higher income multiples, exclusive rates and criteria specific to our firm that means we can get cases through that other brokers can’t.  .
8 reasons why is makes sense to use Doctors Mortgages
Our Experience
We have more than 20 years of experience sourcing mortgages for doctors that work for them. Doctors often earn higher than the average worker, so you would think they would have no problem securing the funds to buy a property. High street banks don’t understand the complexity of the medical profession, which can result in delays and rejected mortgage applications. With us, it’s simple. We provide practical mortgage advice at any stage in their career, sourcing mortgage deals of up to 5.5 times your income.
100% Online Service
Unsociable working hours and fragmented shifts can make it harder for you to find time to research lenders. Our 100% online mortgage broker service works around your schedule, with all communication via email or phone. We will never request to see you face-to-face unless you want to, and we will only contact you when you are available.
Saves You Time
Our online mortgage broker service will do all the leg work for you. You provide us with the essential information, and we’ll do the rest, from filling out the forms and submitting the application. We’ll handle communication with the lender to secure a mortgage for doctors wherever they are.
A Personal Mortgage Advisor
Once we are in touch, you will be allocated your personal mortgage advisor to guide you through the process. A specialist in providing mortgage advice for doctors, they will arrange the paperwork and find the right lender to ensure that your funds arrive in time to exchange contracts.
Understanding Of Earnings Structure
Regular lenders make mortgages for doctors complicated. Our online mortgage brokers understand how you get paid and how your employment contracts work so you won’t get rejected due to misrepresentation.
Strong Relationships With Lenders
We’ve built up trusted relationships with bespoke lenders that are not on the high street, meaning we can access better mortgage rates than you could find yourself.
Easy Application Process
Our brokers handle the entire application process, so you can rest easy.
Fee Free
The online mortgage broker for doctors’ service we provide doesn’t require a fee unless your case is particularly complex. We work on a commission basis.
8 reasons why is makes sense to use Doctors Mortgages
Our Experience
We have more than 20 years of experience sourcing mortgages for doctors that work for them. Doctors often earn higher than the average worker, so you would think they would have no problem securing the funds to buy a property. High street banks don’t understand the complexity of the medical profession, which can result in delays and rejected mortgage applications. With us, it’s simple. We provide practical mortgage advice at any stage in their career, sourcing mortgage deals of up to 5.5 times your income.
100% Online Service
Unsociable working hours and fragmented shifts can make it harder for you to find time to research lenders. Our 100% online mortgage broker service works around your schedule, with all communication via email or phone. We will never request to see you face-to-face unless you want to, and we will only contact you when you are available.
Saves You Time
Our online mortgage broker service will do all the leg work for you. You provide us with the essential information, and we’ll do the rest, from filling out the forms and submitting the application. We’ll handle communication with the lender to secure a mortgage for doctors wherever they are.
A Personal Mortgage Advisor
Once we are in touch, you will be allocated your personal mortgage advisor to guide you through the process. A specialist in providing mortgage advice for doctors, they will arrange the paperwork and find the right lender to ensure that your funds arrive in time to exchange contracts.
Understanding Of Earnings Structure
Regular lenders make mortgages for doctors complicated. Our online mortgage brokers understand how you get paid and how your employment contracts work so you won’t get rejected due to misrepresentation.
Strong Relationships With Lenders
We’ve built up trusted relationships with bespoke lenders that are not on the high street, meaning we can access better mortgage rates than you could find yourself.
Easy Application Process
Our brokers handle the entire application process, so you can rest easy.
Fee free
The online mortgage broker for doctors’ service we provide doesn’t require a fee unless your case is particularly complex. We work on a commission basis.
How it works
Getting onto or progressing up the property ladder shouldn’t be impossible for locum doctors. A specialist mortgage broker can guide you through the entire process and optimise your application for minimal delays and ultimate success.
The team at Doctors Mortgages Online understands the dynamics of working as a locum doctor, so you won’t have to explain your situation like with other lenders. It doesn’t matter if you’ve been a locum for a few months or are well-established; we can handle the whole process while you focus on your important work.
Our mortgage for locum doctors advisors are available outside of the nine-to-five and at weekends to support you through the mortgage application process. We can fit around your schedule.
There are just three steps involved in securing a mortgage to make your home ownership dreams come true.
Get in touch
Reaching out to us is easy via phone, email, or by filling out our contact form. For further details, visit our Contact Us page. Outline your basic information in just a few seconds, and we will arrange a time to discuss your requirements further. We’re available at weekends and outside of traditional office hours.
2. Initial Meeting
Over a telephone or video call, we will explain how Doctors Mortgages Online works. If you are happy to let us find you a mortgage, we will ask you for further information during this call for your mortgage application.
Review your options
We can help you with all your mortgage and investment
needs at every stage of your financial journey
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Mortgage advice and guides
When Doctors Make Their Move: How We’ve Helped 4 Very Different Doctors Achieve Their Mortgage Potential
The Mortgage Application Process: A Step-By-Step Guide
Mortgages For Doctors Who Need To Relocate
Buy to let mortgages and let to buy mortgages – what’s the difference?
Mortgages for Locum Doctors
Can Junior Doctors Get a Mortgage?
Get in touch and see if we can find you the mortgage you want
