Mortgages for healthcare workers
Healthcare mortgages in Scotland
Whether you work for the NHS, a private hospital, a care home or as a locum, your pay can include banding, enhancements, bank shifts or agency work. Tony helps healthcare workers across Scotland compare mortgage options from over 100 lenders and explains how lenders may view your income.
Talk to TonyAt a glance
- Advice for NHS and private healthcare staff
- Access to 100+ lenders and around 28,000 deals
- Rated 5.0 from 235+ Google reviews
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
How Tony can help healthcare workers
The way your pay is made up matters to lenders. These are the situations Tony sees most.
What lenders may look at
- Basic pay is usually counted, and some lenders count regular enhancements and bank shifts too.
- A track record of regular bank or agency shifts can help.
- Locum and self-employed healthcare workers may be asked for accounts or tax returns.
- Newly qualified staff and those on probation may have fewer options, but some lenders may still consider you.
Meet your adviser
Hi, I'm Tony Flynn
I'm a mortgage and protection adviser based in Carluke, helping people across Lanarkshire and Scotland.
I've spent 15+ years in finance and have been named Mortgage Professional of the Year at the Prestige Awards Scotland five years in a row. I'll explain your options in plain English so you know exactly where you stand.
Healthcare mortgage questions
Can I get a mortgage if I work bank or agency shifts?
Possibly. Some lenders will consider bank or agency income if you can show a regular history, often through payslips. Tony can find the lenders that accept it.
Do lenders count unsocial hours enhancements?
Some lenders include a proportion of regular enhancements and overtime. The treatment varies, so it is worth checking before you apply.
Is this only for NHS staff?
No. Tony helps NHS staff, private hospital and care home workers, doctors, dentists and locums.
Do you charge a fee for mortgage advice?
There may be a fee for mortgage advice. The amount depends on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed. We will explain this before you commit.
Can you help with protection as well as a mortgage?
Yes. Tony can also advise on life insurance, critical illness cover and income protection alongside your mortgage.
Related pages
More advice for people in similar situations.
Ready to talk it through?
A quick chat with Tony is a good first step. No jargon, no pressure.
Talk to Tony