What is Locum (Medical)?
Locum work is temporary medical or allied health work — usually contracted, hourly or daily — filling gaps in regular rosters. Common among registrars, GPs, and allied health practitioners wanting flexible work.
Why it matters for you
Most lenders treat locum income cautiously — some require 12 months of history before counting it, others discount it heavily. Under Wity's medico policy, locum income can be accepted earlier and at higher inclusion rates. Matching to the right lender is critical for locum-heavy applicants.
Last updated: April 2026