Mortgages for Nurses
Mortgages for Nurses and NHS Staff
Shift allowances, overtime, bank shifts and agency work can all count towards your mortgage, but lenders treat them very differently. Here is how to make the most of your NHS income.
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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.
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Why It Matters
Your Payslip Is More Than Your Basic Salary
Many nurses earn a big chunk of their income from extras. Picking a lender that counts them can make a real difference.
- ✓Basic salary: your banded pay is the starting point
- ✓Unsocial hours: enhancements are often counted with a track record
- ✓Overtime and bank: some lenders use all of it, others only part
- ✓Agency work: usually based on your history of earnings
How We Help
How We Help NHS Staff
Five steps to the right mortgage.
Look at Your Payslips
We work out what is basic, what is enhancements and what is bank or overtime.
Find Your Real Budget
Different lenders count your extras differently. We show you the difference.
Match the Right Lender
Some lenders are much better with NHS income patterns.
Plan Around Shifts
We work around your rota with calls and messages that suit you.
Check Your Cover
NHS sick pay is good but has limits. We will help you check your protection.
Common Situations
Where NHS Staff Often Need Help
If one of these sounds like you, talk to us first.
Shift Enhancements
Often counted with a few months of payslips showing them regularly.
Check My Options →Common Questions
Nurse Mortgage Questions, Answered
The things NHS staff ask us most.
Do lenders count NHS overtime and bank shifts?
Some do, usually with a track record. Some use all of it, others only half or none.
Can agency nurses get a mortgage?
Yes. Lenders usually average your earnings over 12 months or more.
Are there special mortgages for nurses?
Not usually special products, but some lenders are more flexible with NHS income.
Can I get a mortgage as a newly qualified nurse?
Often, yes, once you have a contract in place.
Do unsocial hours payments count?
Many lenders will count them if they are regular and shown on your payslips.
Can I get a mortgage on maternity leave?
Often, yes, if you have a return to work date and can afford it on your return income.
Related guides
- Zero hours and agency worker mortgages
- Buying a house in Scotland step by step
- How much can I borrow?
- Income protection explained
- All mortgage questions answered
Written by Tony Flynn, mortgage broker at Tony Flynn Mortgages, helping homebuyers across Lanarkshire and Scotland. This page is general information, not personal advice. Speak to Tony about your own circumstances.
Get in Touch
NHS Staff Looking to Buy?
Fill in the form and we will be in touch within one working day. Send us a few payslips and we will tell you straight what you could borrow.