Mortgages forLocum Doctors, Dentists & Pharmacists
Get a Bigger Mortgage That's Based on What You Actually Earn — Not What a Lender Assumes You Do
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07742 692890If you're a locum Doctor, Dentist or Pharmacist trying to get a mortgage, you may have already found that things don't work in the way you'd expect.
Even with a strong income, you might be told you can't borrow as much as you thought, asked for more and more documents, or even turned down altogether. And in many cases, there's no clear explanation as to why.
It's confusing.
You might speak to one lender and get one answer, then speak to another and get something completely different. Meanwhile, you're trying to work out what you can realistically afford, without knowing which figure is actually accurate.
It can also feel unfair.
You could be earning more than salaried colleagues, yet they're able to get approved quickly with a few payslips, while your application is treated as more complicated and uncertain.
A salaried colleague
A few payslips
A locum, earning more
Years of accounts, contracts, documents
The problem is how most lenders look at locum income.
When you think about your income, you probably look at what you earn overall - across contracts, shifts, or through your company. But many lenders don’t assess it that way.
So even if your business is performing well, and your income is strong, it doesn't always come across that way in a mortgage application.
That's why the process can feel drawn out.
You may be asked for multiple years of accounts, contracts, and supporting documents, without being sure how they'll be used or what the outcome will be. And if you approach the wrong lender, you can go through all of that effort and still not get the result you were hoping for.
There is another way to approach it.
We work with locum Doctors, Dentists and Pharmacists to find lenders who understand how their income actually works.
That means using lenders who are comfortable with contract-based income and more flexible ways of assessing affordability, rather than relying purely on salary and dividends. In many cases, this allows you to apply without needing to change how you pay yourself or draw additional income from your company.
As a whole-of-market broker, I have access to over 100 lenders. This makes it easier to match your situation with a lender who is more likely to accept it, and to find a suitable rate.
We will also deal with the application process from start to finish - identifying the right lender, preparing the case properly, and handling the communication and paperwork along the way.
If you want to find out what you could borrow and which lenders are likely to consider your application, you can fill in the short enquiry form.
We'll go through your situation and explain your options clearly, so you can decide how you want to proceed.
What you get working with JLW
Why Choose Us?
Experience Working with Locum Professionals
Working as a locum comes with a different income structure to a standard employed role - and not every broker or lender fully understands that.
We have experience arranging mortgages for locum Doctors, Dentists and Pharmacists, so we're familiar with how your income is earned, paid, and presented. That means fewer misunderstandings, fewer delays, and a smoother process overall.
Rather than trying to fit your situation into a standard approach, we look at it properly from the start - so your application is handled in a way that reflects how you actually work and earn.
Maximise Your Borrowing
When it comes to locum income, how it's assessed can make a big difference to how much you're able to borrow.
Many lenders take a cautious approach, which can reduce your income on paper and limit your options. That’s why choosing the right lender - and the right way to present your income - is so important.
We focus on lenders who can take a more suitable view of locum earnings, including contract-based and alternative income methods where appropriate. This can often result in a higher borrowing figure than you may have been offered elsewhere.
The aim is to make sure your application reflects your true earning position, so you're not restricted unnecessarily when it comes to your property choices.
Flexible Appointments That Fit Around You
We understand that as a locum, your schedule isn't always predictable.
That's why we offer flexible appointment times, including evenings, so you don't have to try and fit everything into a standard 9-5. Whether you're between shifts, working irregular hours, or just prefer to deal with things outside of the working day, we can arrange a time that suits you.
Appointments can be held over Teams or, where possible, in person - whichever is more convenient.
The aim is to make the process easy to fit around your work, not the other way around.
Save Time and Potentially Reduce Costs
Applying for a mortgage on your own can take time, especially if you're speaking to multiple lenders and repeating the same process.
By identifying the right lender from the start, you can avoid unnecessary applications, reduce delays, and move things forward more efficiently.
We also search across a wide range of lenders to find a competitive deal for your situation. A lower rate or better product can make a noticeable difference to your monthly payments and overall cost.
Alongside that, we manage the application and communication throughout - helping to keep things straightforward and saving you time along the way.
Our Process
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In their words
Testimonials
Phillip went above and beyond to help secure a mortgage despite my complex earnings. Nothing was ever too much trouble - I would thoroughly recommend.
Absolutely amazing. From start to finish Phil was super helpful, advisable and helped us get the best mortgage available for our situation. Wouldn't be in our forever home without him. thank you again
Jo, Greg and Thea
Smooth and clear process from start to finish. Phil made the process so much easier and is easily worth his weight in gold!
Thomas
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