Mortgages for nurses and midwives
Mortgages for nurses and midwives
Nurses and midwives often have pay made up of a basic salary, unsocial hours enhancements and bank shifts. Tony helps nurses and midwives across Scotland compare mortgage options from over 100 lenders and explains how lenders may view your pay.
Talk to TonyAt a glance
- Advice for nurses and midwives across Scotland
- 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 nurses and midwives
Shift patterns and bank work can affect how lenders see your income. Tony helps you show it clearly.
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 shown on payslips can help.
- Newly qualified nurses and those on probation may have fewer options, but some lenders may still consider you.
- Part-time and flexible hours should be shown clearly on your payslips.
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.
Nurse mortgage questions
Can nurses get a mortgage if they work bank shifts?
Possibly. Some lenders will consider bank 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.
Can newly qualified nurses get a mortgage?
Often yes. Some lenders will consider you early in your career, and Tony can search for those that do.
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