What You Need to Know
Can I Get a Mortgage as a Locum Without Certified Accounts?
Yes, you can! While some lenders require two to three years of certified accounts, others will accept different types of proof to assess your income. The key is knowing which lenders are more flexible—and that’s where we come in.
At Premier Finance London, we work with mortgage providers who:
✔ Consider alternative proof of income instead of certified accounts
✔ Accept as little as 3-6 months of locum work history
✔ Use bank statements, payslips, and contracts to assess earnings
✔ Offer competitive mortgage rates tailored to locum professionals
Even if you’ve recently gone self-employed or work through an agency, there are options available!
How Do Lenders Assess My Income Without Certified Accounts?
If you don’t have official accounts, lenders will look at other ways to verify your earnings, such as:
📌 Bank Statements – Usually covering the last 6–12 months
📌 Payslips (if applicable) – If you’re paid via an agency or hospital payroll
📌 Locum Contracts – Showing your typical working hours and rates
📌 Umbrella Company Income Proof – If you work via an umbrella company
📌 Tax Calculations (SA302s) – If you have limited self-employment records
Each lender has different criteria, so knowing which one to approach is key to getting approved.
How Much Can I Borrow Without Certified Accounts?
Lenders usually allow 4-5 times your annual income, but they’ll calculate it based on your alternative proof of earnings.
👉 Example 1: Locum GP Without Accounts
- Earns £60 per hour, working 30 hours per week
- Estimated annual income: £60 × 30 × 46 weeks = £82,800
- Potential mortgage: £331,200–£414,000
👉 Example 2: Agency Nurse with No Tax Returns
- Earns £28 per hour, working 36 hours per week
- Estimated annual income: £28 × 36 × 46 weeks = £46,368
- Potential mortgage: £185,000–£230,000
Your borrowing potential depends on the lender, so working with a broker maximises your options.
Why Choose Premier Finance London?
Many banks and brokers turn away locums without certified accounts—but we know how to present your income correctly to the right lenders.
🔹 We find flexible lenders who accept locum income without traditional accounts
🔹 We help you use alternative proof of earnings to strengthen your application
🔹 We simplify the process, ensuring you get the best mortgage deal possible
Even if you’ve been rejected before, we may still be able to help!
Let’s Get You on the Property Ladder!
If you’re a locum professional without certified accounts, don’t assume you can’t get a mortgage. Premier Finance London works with lenders who understand locum income and can help you find the right deal.
📩 Get in touch today and let’s explore your mortgage options!
Why Use Premier Finance London?
Many high-street banks don’t fully understand locum income, meaning they could:
❌ Reject your application due to “irregular income”
❌ Ask for years of tax returns when it’s not necessary
❌ Only count a small portion of your earnings
At Premier Finance London, we help locum professionals by:
✔ Finding lenders who accept your full locum income
✔ Matching you with the best mortgage rates
✔ Guiding you through the application process smoothly
Get Expert Locum Mortgage Advice Today
If you’re a locum doctor, nurse, or medical professional, we can help you secure the right mortgage with the right lender—even if others have turned you down.
📩 Get in touch today and let’s make your mortgage process simple!
AS A MORTGAGE IS SECURED AGAINST YOUR HOME, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS.