As a locum, you’ve chosen flexibility and independence, but when it comes to getting a mortgage, that same freedom can make lenders nervous. Many banks simply don’t understand non-permanent roles, even when you’re consistently working and earning well.
At Mortgage Knight, we work with specialist lenders who understand locum income, and we know how to present your earnings accurately and confidently to underwriters.
Whether you’re a GP, nurse, pharmacist, AHP, or other healthcare professional, we’ll help you secure the mortgage you deserve.
We specialise in mortgages for:
Even if you’ve only recently gone locum or have income across several trusts, we can help.
Most banks and mortgage lenders rely on:
That doesn’t work when you:
We break through these blocks. We know how to evidence your income clearly and pair you with lenders who accept locum-style pay.
Depending on your structure, lenders may:
We’ll guide you on what evidence to provide—even if you’ve only been locuming for a short time.
Every case is unique, but most lenders will ask for:
Status: Dr. Hannah had just started working as a locum GP, 4 months post-CCT. She had no formal tax return yet and earned different day rates across local surgeries.
Challenge: Her bank wanted two full years of accounts and declined the application.
Solution: We used her last 3 months of remittance slips and a letter from her locum agency to prove her consistent income.
Outcome: Dr. Hannah secured a £320,000 mortgage at 90% LTV, even without a full tax year.
Status: Lucy had income from both an NHS bank and a private agency, working flexible hours each month.
Challenge: Her income was irregular, and no single employer could verify “employment status.”
Solution: We averaged her last 6 months’ income across both roles and used bank statements to back it up
Outcome: Lucy was approved for a £190,000 mortgage with a 10% deposit and a competitive rate.
Status: Ahmed worked part-time for a chain pharmacy and topped up his earnings with weekend locum shifts.
Challenge: His PAYE salary alone wasn’t enough to qualify for the mortgage he needed.
Solution: We used his last 6 months of shift income plus his PAYE payslips to present his full affordability.
Outcome: He was approved for a £250,000 mortgage, with both incomes fully counted.
A: Yes. Some lenders will consider you with as little as 3 months of income history, especially if you were in the same field previously.
A: Not always. We work with lenders who accept short trading history, or even sole PAYE-style locum income.
A: No. We can average variable income and explain any gaps, especially if you’ve been on annual leave or between placements.
A: Yes. As long as they’re consistent and backed by bank statements, most lenders will accept them.
A: Absolutely. We specialise in blending income types and making your full earnings count.
The team made everything easy, even with my complicated income. I'd been turned away before, but not here.
