High earners the high street wrongly calls “temporary”.
Locum doctors and agency nurses are well paid and in constant demand — yet rejected for looking short-term. We use lenders who assess your sessional rate and continuous experience.
Why locums get rejected despite the income
The problem is rarely affordability — it’s classification. Mainstream lenders see a series of temporary contracts and treat the income as insecure. Medical-friendly lenders instead assess your day or session rate and your continuous experience in the profession, recognising that demand for your skills is anything but temporary.
How you’re assessed
- Sessional / day rate annualised over a realistic working year.
- Continuous experience — your career in medicine counts, even across changing placements.
- Dedicated medical policies from some lenders that take a favourable view of NHS and private locum work.
Sessional income, read properly
Annualised at 5 × 46: £138,000
Indicative borrowing at 4.5×: ≈ £621,000
Indicative only — final figures depend on the lender, deposit and commitments.
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Medical-friendly lenders — a selection
Locum mortgages, answered
Can a locum doctor get a mortgage?+
Yes. Despite high earnings, locums are often rejected by mainstream lenders because the contracts are temporary. Specialist and medical-friendly lenders assess your day or session rate and your continuous experience in the profession, not the end date of one contract.
How is locum income calculated?+
Usually on your day or sessional rate annualised over a working year, or by averaging recent income. Some lenders have dedicated policies for medical professionals that take a favourable view of NHS and private locum work.
I’ve only recently gone locum from a salaried role — is that a problem?+
Often not. Continuous experience in medicine carries weight, so moving from a salaried NHS post to locum work doesn’t reset you to zero. Lenders look at the whole picture of your career, not just your current contract.
Do agency nurses get the same treatment?+
Agency nurses face the same ‘temporary worker’ misread on the high street, and the same solution: lenders who assess shift or hourly rates and continuous work rather than treating each placement as insecure.