Mortgage tips for 
GP locums

1st May 2019 by Nigel Farrar

Mortgage tips for 
GP locums

Despite the weirdness that is Brexit, the traditional increase in the number of new mortgage applications in springtime continues. There are plenty of decent rates out there, particularly fixed rates. But what if you are a locum? It may be great to have the flexibility and autonomy of working patterns, but if it stops you having a mortgage it can cause a real headache.

All locum roles are not the same in the eyes of a mortgage underwriter. There are differences in the way that types of locum roles are assessed. For example, they will assess a ‘salaried’ locum differently to a self-employed portfolio locum working in various practices in short term roles. It is worth taking specialist advise before you start the application process.

But fear not, it’s not as hard as you might have heard.

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"Work as GP locum provides me both flexibility and autonomy together with great job satisfaction. However, there are some complexities one needs to address in starting out and doing everything right.

I've generally found answers to any issues I've had on the NASGP website – an excellent repository of very relevant information. The blog and magazines alone are almost worth the small costs of membership. The fact that NASGP is run by motivated fellow GPs gives me confidence in their guidance and advice.

LocumDeck makes my running things as a self-employed GP almost effortless - I don't think I would want to work without it. Invoicing is streamlined and the website is very user-friendly. After a busy week at work, the last thing you want is to spend hours on business admin. LocumDeck is a real timesaver.
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Dr James O’Mahony

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