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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"I have been a member of the NASGP for about 18 months and find the support and advice invaluable.

It was especially helpful when I started locum work. I think I must have spent hours on the website devouring every single article as I was keen to learn all I could before I went solo. "

Dr Sally Watkins, GP

Dr Sally Watkins, GP

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