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How we can help you

We can help you find a mortgage when working as a locum doctor.

On face value, getting a mortgage as a Locum can seem difficult. There is, however, an easier way to arrange funding, with specialist broker Professional Contractor Mortgages, who’s relationship with mortgage lenders can make like much easier.

Whether you contract through your own company, via an agency or even directly to an NHS trust, there are solutions out there. Historically, lenders have had concerns over the stability of Locum incomes, especially when you may not know where you are working from one day to the next. PCM have pioneered bespoke underwriting agreements that mean you can realise the borrowing potential of your full rate.

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Are you a Locum Doctor?

Even if you have a limited track record, PCM can help. We work with a number of underwriters who take a more pragmatic, case-by-case approach and make decisions based on the merits of each individual application.

While we endeavor to make the process as straightforward as possible for you, there are some steps that you can take prior to applying that will help with underwriting, as follows:

Main Benefits

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Collate previous contracts for the past six months. Although PCM will base our research on your current contract rate, lenders like to see the continuity of your work over a period of time.

Check your credit file. Regardless of how your income is verified, if your credit report contains unexpected surprises, it can scupper a purchase. Download a report from one of the credit reference agencies such as Experian or Equifax, to get an idea of how your credit file is reported.

Budget accordingly – for both time and money. Whilst there are lenders out there who can process an application to mortgage offer in a matter of days, bespoke underwriting requires human intervention, and can mean that processing time is slightly elongated. This is worth it, however, to get the right answer first time.

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best rates

Getting the right mortgage is just as important as getting the right property. We can help you find the best rate.

With Professional Contractor Mortgages, you will find a mortgage provider for doctors and an Expert Mortgage Consultant to provide you with simple clear advice, working out how much you can borrow, how much will it cost and what type of mortgage would be most suitable for you.

Your dedicated Client Service Manager will take care of all the paperwork for you, so you don’t need to worry about a thing.

We access the whole of the market which means we can source the best mortgage from all lenders.

Please feel free to call us on 02394 212912 or request a callback.

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