DoctorsMortgages.co.uk Helps You Get a Mortgage Without a Contract – Even as a Locum, F3 or Short-Term Doctor

If you're a locum doctor, an F3 doctor exploring your options, or on a short-term NHS contract, getting a mortgage can feel unnecessarily complicated. Despite earning a good income and having strong career prospects, many banks still treat you as "too risky" simply because you don’t fit the traditional mould of a long-term salaried employee. At DoctorsMortgages.co.uk, we know that medicine isn’t always linear—and your mortgage journey shouldn’t be either. 👩‍⚕️ Why It’s Tough for Doctors Without a Contract Traditional mortgage lenders often look for: A permanent job contract A fixed salary At least 12 months in your current role But what if you’re: Locuming between hospitals or trusts? Taking an F3 year to explore your options? On a 6-month NHS rotation? You still have strong earning potential, but high-street banks might struggle to assess your situation. That’s where we come in. 🩺 How DoctorsMortgages.co.uk Can Help We specialise in mortgages for doctors just like you. Here’s what makes our approach different: ✅ 1. We Match You With the Right Lenders We work with specialist lenders who understand how medical income works, including irregular hours, shift work, and short-term contracts. ✅ 2. We Use Proof of Income, Not Just Contracts Even without a fixed job offer or long-term contract, we can present your case using: Locum history (even just 3–6 months) NHS payslips or agency invoices Bank statements Future shift bookings ✅ 3. We Support F3 Doctors and Non-Traditional Paths Your F3 year doesn’t have to pause your homeownership goals. Whether you’re locuming, travelling, or mixing roles, we help you explore mortgage options that fit your lifestyle. ✅ 4. We Understand Complex Income Multiple agencies? Several trusts? Locum + private work? We’ll help package your income clearly so that lenders understand your full earning picture. 🏠 Real Stories From Doctors We've Helped “I was working as an F3 locum, earning well but with no contract. Doctors Mortgages made it happen in weeks. I’m now in my new flat and couldn’t be happier.” — Dr. S. Khan, Sheffield “My bank turned me down because I only had a 6-month contract. These guys found a lender who understood the way doctors actually work. Total game-changer.” — Dr. Emily J., Bristol “They understood my locum income straight away, no judgment, no delays. Got me a mortgage offer without a contract in hand. Highly recommend!” — Dr. Mark D., Manchester 💬 Ready to Find Out What’s Possible? You’ve worked hard to build your medical career—don’t let outdated lending rules hold you back. Whether you're planning to buy your first home, remortgage, or just want to explore your options, we’re here to help—with real mortgage advice tailored for real doctors. 👉 Get your free consultation now Speak to a specialist mortgage advisor who truly understands your role. No contract? No problem. 📞 Call us today: 0330 111 4081 📧 Or drop us a message: hello@doctorsmortgages.co.uk 💬 Message us on WhatsApp: 07756422414 Prefer quick chats over calls? Drop us a message on WhatsApp—it's fast, confidential, and easy to use between shifts. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE Doctors Mortgages is a trading name of Doctors Mortgages Limited and is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 995281. * Doctors Mortgages receives a commission, or procuration fee, from the lender for each mortgage they successfully complete. No additional fees are payable by the client.