Getting a mortgage when you work as a GP locum

4th March 2024 by Alex Jarman, Legal & Medical (

Getting a mortgage when you work as a GP locum

Recently, a young couple, both successful junior doctors, were trying to purchase their first home together.

They had saved up a healthy deposit and had no previous issues with credit. However, through no fault of their own, they found themselves with two failed mortgage applications, an estate agent threatening to pull their property unless they paid a £5,000 non-refundable deposit, and their previous financial adviser had seemingly vanished into thin air!

Why did it all go wrong?

You guessed it! One half of the couple had started as a locum just three months earlier.

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