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Locum Income Mortgages

Being a locum healthcare professional offers you flexibility and control over your career, but when it comes to applying for a mortgage, that flexibility can become a challenge. Many mainstream lenders struggle to assess irregular income, even when it’s substantial and consistent over time.

At Rosa Mortgages, we understand your working world. Whether you’re a locum doctor, nurse, dentist, pharmacist, or allied health professional, our expert advisers will take the complexity out of the mortgage process. We believe your career flexibility shouldn’t hold you back from homeownership.

What Is a Locum Income Mortgage?

A locum income mortgage isn’t a specific mortgage product, but rather a specialist approach to assessing income for those working in temporary, contract, or freelance healthcare roles. Locum workers often face rejection from traditional lenders because their income doesn’t come in the form of standard PAYE salaries or long-term contracts.

At Rosa Mortgages, we work with lenders who understand your pay structure, whether you’re paid through agencies, umbrella companies, or as a sole trader or limited company. These lenders assess your income more holistically and fairly, increasing your chances of mortgage approval.

Unique Challenges Locums Face When Applying for a Mortgage

Locum professionals are often unfairly penalised for their working structure. Challenges can include:

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Irregular monthly income – Inconsistent shift patterns can mean earnings fluctuate.
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Short work history – Some lenders require 2–3 years of accounts, which may be difficult if you've recently gone self-employed.
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Multiple income streams – From working across various NHS trusts or private practices, income can be scattered across sources.
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Agency or umbrella payments – Some lenders don’t fully understand or recognise these payment methods.

At Rosa Mortgages, we specialise in navigating these complexities. We’ll help you package your income properly and find lenders that value your professional expertise and earning potential.

How Rosa Mortgages Can Help You

Our approach is built on understanding your unique career path and goals. Here’s what we offer locum professionals:

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Bespoke Mortgage Advice: Every locum’s situation is different. We tailor our recommendations to your income structure and future plans.
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Access to Specialist Lenders: We work with lenders who specifically cater to professionals with non-traditional income.
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Full Document Support: Not sure what paperwork you’ll need? We’ll guide you step-by-step on providing tax returns, payslips, contracts, and more.
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End-to-End Guidance: From your first enquiry to the keys in your hand, we’ll handle the process for you—saving you time, stress, and uncertainty.

We act as your advocate with lenders, clearly explaining your income and negotiating terms that suit you.

Who We Help

We work with a wide range of medical and healthcare professionals, including:

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Locum Doctors – Whether you’re on NHS frameworks, private contracts, or both.
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Locum Dentists – NHS and private income, UDA structures, and associate earnings.
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Pharmacists – Including those covering shifts across chains or independent pharmacies.
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Healthcare Assistants, Radiographers & Sonographers – Often agency-based or on short-term contracts.
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Nurses & Midwives – Including those working through agencies or on flexible schedules.

Whatever your healthcare role, if your income doesn’t fit the standard mould, Rosa Mortgages can help.

Why Choose Rosa Mortgages?

We’re not just mortgage brokers, we’re problem solvers and advocates for professionals with non-traditional incomes.

  • Local Expertise – Based in Southport, serving clients across the UK.
  • Client-Focused – We believe in advice that suits you, not the other way around.
  • Specialist Knowledge – Years of experience with contractor and locum income structures.
  • Stress-Free Process – We’ll save you hours of paperwork and negotiation.

At Rosa Mortgages, your career flexibility becomes a strength, not a stumbling block.

Get Started Today

Let us help you turn your hard work into homeownership. Contact Rosa Mortgages today for a free, no-obligation consultation and see what’s possible—even with complex income.

FAQs About Locum Income Mortgages

  • How many years of locum work do I need for a mortgage?

    Some lenders will accept as little as 6 months, though 12–24 months is preferred. We’ll help find the best option for your experience level.

  • Can I get a mortgage with income from multiple agencies?

    Yes! Many healthcare workers do. We’ll compile your earnings to show lenders the full picture.

  • Do I need to go self-employed to get a locum mortgage?

    Not necessarily. You can apply whether you’re paid via PAYE, umbrella companies, or as a limited company. We’ll work with your setup.

  • What if I’ve recently gone locum after PAYE work?

    That’s fine—many professionals make this move. If you have a good earnings history and future contracts lined up, it may still be possible.

Rosa Mortgages, a trading style of Rosa Mortgages LTD is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
There may be a fee payable for mortgage advice. Our typical fee is £499, but further details can be found on our About Us Page
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: 18 Morley Road, Southport, PR9 9JT. Registered in England and Wales No. 13982479.

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