Working as a locum or agency doctor gives you flexibility, freedom and excellent earning potential—but it can also make getting a mortgage more difficult. Despite your income being high and consistent, many high street lenders struggle to assess it correctly.
At Mortgage Knight, we specialise in mortgages for locum and agency doctors, including NHS and private medical professionals. We understand your pay structure and know exactly which lenders will consider your real earnings, even if you’ve only been working this way for a short time.
We assist:
Most mainstream banks:
This often leads to reduced borrowing or outright rejections—despite high and stable earnings.
This often leads to reduced borrowing or outright rejections—despite high and stable earnings.
We work with lenders who:
| Scenario | Lender Approach |
|---|---|
| Sessional GP earning per session | Average sessions/week x rate x 46–48 weeks |
| Locum doctor via agency | Average of last 3–6 months payslips |
| NHS bank & private combined income | Merged income across both roles |
| Umbrella-paid doctor | Gross umbrella payslips averaged |
Status: Dr. Ahmed had been working as an NHS locum for 6 months, after leaving his full-time hospital post.
Challenge: His bank refused to lend due to “insufficient history.”
Solution: We used 6 months of payslips and a reference from the Trust to verify consistency.
Outcome: Dr. Ahmed bought his first home with a £300,000 mortgage at 90% LTV.
Status: Dr. Roberts worked three days a week at a GP practice, did private clinics on weekends, and occasional teaching.
Challenge: Her income was varied and came from three sources.
Solution: We helped her document all income streams and matched her to a flexible professional lender.
Outcome: She secured a £425,000 home loan with no issues.
Status: Dr. Singh worked A&E shifts via an agency and was paid through an umbrella company.
Challenge: Lenders either treated him as PAYE or declined due to irregular income.
Solution: We averaged his last 12 weeks of payslips and explained his consistent rota.
Outcome: He was approved for a £350,000 mortgage with a high-street lender.
As a locum or agency doctor, you deserve a mortgage that reflects your true earnings and dedication to healthcare, not one based on outdated lending rules. Speak to a Mortgage Knight specialist today for tailored advice and a mortgage solution that truly fits your profession.
A: Some lenders accept just 3–6 months of history. The more shift evidence and continuity you can show, the better. We’ll guide you on what’s needed.
A: Yes. Many lenders allow blended income across NHS, private, teaching, and agency roles—if documented properly.
A: Not at all. We can use averages from weekly or fortnightly payslips to demonstrate your full earning potential.
A: Yes. Mortgages are available for 5–10% deposits, subject to affordability and credit checks.
A: That’s fine. We work with lenders who accept doctors with as little as 3 months’ self-employed history, especially with previous NHS experience.
