Locum mortgages for every profession

Freelancer Financials is here to help locum professionals secure mortgage solutions that really reflect their earning potential.

Forget outdated lending rules. Our contract-based approach cuts through the rigidity of traditional lenders. The result? A faster, more tailored mortgage process designed around your unique income structure.

Arrange a call-back How much can i borrow?

Understanding the challenges locums face

Locum professionals often face challenges with traditional mortgage applications due to their non-standard income. High-street lenders rely on criteria like years of accounts or tax returns, overlooking locums’ variable earning patterns.

This approach often leads to limited or unsuitable mortgage offers. At Freelancer Financials, we break down these barriers. Working directly with specialist underwriters, we assess your income using your gross contract day rate, delivering fair, accurate affordability calculations and better mortgage solutions tailored to your needs.

Tailored mortgage solutions for locums

We provide tailored mortgage solutions for a range of locum professionals:

Medical locums

Whether you’re a doctor, nurse, pharmacist, or optometrist, with mixed NHS and private income, or newly qualified, we’ll find the right solution.

Veterinary locums

Veterinarians and vet nurses with fluctuating income streams are matched with lenders who value their earning potential.

Dental locums

Dentists, hygienists, and dental nurses, whether working through a limited company or umbrella setup, can secure competitive mortgage deals.

Legal and accounting locums

Barristers, LLP partners, and accountants with variable earnings benefit from solutions reflecting their income.

How much can I borrow?

Why Freelancer Financials?

We’re specialists in arranging mortgages for locums. Using a specialist mortgage broker is the best way to secure the right mortgage for the property you deserve.

Our mortgage brokers have working relationships with all the right lenders – those who will look more favourable towards locums in the medical, dental, veterinary and legal professions .

Why choose Freelancer Financials?

With 20+ years of experience, we’re here to make mortgages work for locum professionals like you.

Access your true potential

Borrow up to 5.5x your gross annual income, tailored to your real earning power.

Smart, fair assessments

Skip tax returns and SA302s. Our contract-based approach gives you accurate affordability fast.

Expert advice, every time

Independent, unbiased guidance with access to the entire mortgage market.

Solutions for every need

First-time buyer, home mover, remortgage, or buy-to-let, we’ve got you covered.

Your dedicated guide

Our expert brokers handle everything, making the process smooth and stress-free.

Protect what matters most

Life as a locum can be unpredictable, but protecting your income and future doesn’t have to be:

Income Protection: Get up to 70% of your income if illness or injury stops you from working.
Critical Illness Cover: Receive a lump sum for treatment costs, family support, or mortgage repayments.
Life Cover: Tax-efficient options, including Relevant Life policies, to secure your loved ones’ future.

Let us help safeguard your lifestyle with protection tailored to complement your mortgage. Contact us today.

Enquire now

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What makes Freelancer Financials different?

We're rated 5 stars on Google

					Another seamless mortgage renewal through Andrew Saunders at Freelancer Financials (despite throwing ever more complexity his way)! After 10 years I really can't recommend Andrew enough - from start to finish, he always makes the entire process efficient and straightforward, and his expertise in navigating the complexities of contractor mortgages is clear. Huge thanks also to Leanie Freed.				
Sally Verney
11/06/2025
					I cannot thank George Yerou enough for all of his help and advice !The customer service was outstanding, and the solution for my case was exactly what I was looking for. George went above and beyond to help me understand my options and pick the right one. I highly recommend contacting George and Louisa for all your mortgage deals.They genuinely look out for your best interest. I am so grateful. Amazing experience!				
Hulya Kadan
05/06/2025
					Both George and Louisa have vey helpful. They were prompt, precise and very open when they explained the alternatives. It was a pleasure to work with them.				
ozgur akin
29/05/2025
					I have to say I was delighted with the service I received from Raj and the team at Freelancer Financials. I was in an extra difficult position having just come off a contract and gone onto a perm role, and so falling neatly into neither set category, and he still got me a decent mortgage. Also great communication all the way along. Thanks Raj!				
Catherine Baker
20/05/2025
					George and Louisa were absolutely outstanding in helping secure a mortgage for a complex, specialist case. Their communication was second to none – always clear, prompt, and incredibly supportive throughout the entire process.What really stood out was their proactivity. They were always one step ahead, identifying potential issues early and working tirelessly to keep things moving smoothly.Thanks to their expertise, professionalism, and dedication, what could have been a stressful experience was made straightforward and stress-free. I am so grateful for their help and wouldn’t hesitate to recommend them to anyone in need of a top-tier mortgage broker.				
Katie Tattersall
20/05/2025
					This is our third time using the services of Andrew Saunders and he has provided professional and seamless advice and support that we are extremely grateful for. In the past we have found mortgage applications to be both time consuming and stressful but Andrew ensures that advice is easy to follow and the process pain free. Thank you.				
Hannah Sparks
16/05/2025
					I've been working with Andrew at Freelancer Financials for over 10 years now, and every experience has been absolutely fantastic. From start to finish, Andrew has consistently provided expert guidance, clear communication, and a genuinely supportive approach throughout each mortgage process. His deep understanding of the market, especially for freelancers—has made what can often be a stressful time feel seamless and manageable. I wouldn’t go anywhere else and can’t recommend him and the team highly enough. Thank you for all your help over the years!				
Natasha Tobin
06/05/2025
					Andrew Saunders helped me with my first mortgage application when I was contracting and really struggling to find an offer elsewhere. The experience with FF was so great and Andrew and Leanie were so fantastic that I’ve continued to remortgage with them ever since, despite no longer being a contractor! Always top star service, and I know I’m getting the best rates possible with them so it’s one less thinf for me to worry about when remortgaging time comes around!				
Lyndsey Cargill
03/05/2025
					Great service from George and Louisa in brokering a mortgage for me. Very knowledgeable, good communication, highly recommended.				
Stuart Hepburn
29/04/2025

Ready to secure the mortgage you deserve?

Every locum professional’s situation is unique. Our bespoke approach ensures your mortgage aligns perfectly with your needs.

Call our locum mortgage experts on 020 8421 7999 or fill out our quick contact form today.

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