NHS Mortgages Designed for NHS Workers
You work hard looking after others, so let us take care of your mortgage.
As experienced mortgage advisers in Lanarkshire and across Scotland, we help NHS staff and students understand how lenders may treat bank shifts, bursaries, increments and shift allowances, and what that could mean for what you can borrow.
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 we help NHS staff and students
Experience working with NHS pay structures, including overtime, bank shifts and allowances that some lenders may take into account when assessing affordability.
Help navigating mortgages in Lanarkshire when income changes through band progression or expected pay increases.
Support for NHS first-time buyers, explaining how much you may be able to borrow, the costs involved and the steps to getting approved.
Appointments available around shift patterns, including evenings when required.
Support from the mortgage application through to completion, helping you understand your options along the way.
Let us help you, while you protect us.
Access to deals and criteria for health care professionals
Student Bursary
Can I use my NHS bursary for a mortgage?
Some lenders will consider an NHS bursary as income, which can open up mortgage options for student nurses, midwives and other healthcare students. It can often be combined with bank shift income, and we will check which lenders may accept it for your circumstances.
NHS Bank Shifts
Can I use NHS bank shifts for a mortgage?
Many lenders may take NHS bank income into account, either alongside your main NHS salary or, with some lenders, on its own. We help you present your shift history clearly so you can see what you may be able to borrow.
Future Increment Change
Can future pay increments count?
NHS pay bands rise with each increment, and some lenders may consider your expected future pay when assessing affordability. We can explain which lenders take this approach and how it could affect what you are able to borrow.
Utilise your shift allowance
Do lenders count shift allowances?
Unsocial hours payments, overtime and other shift allowances can make up a large part of NHS pay. Some lenders may include these in their affordability checks, and we can help you find out which ones.
First Post or Moving Role
Starting a first permanent post or new role?
If you have an offer for a first permanent job or a new NHS role, some lenders may consider a mortgage before you start. We will explain what evidence they usually ask for, such as your contract or offer letter.
Flexible approach to appointments
Appointments around your shifts
We know shift work does not fit standard hours. Our advisers are usually available in the evenings and at weekends, by phone or video, so you can speak to us at a time that suits your rota.
Protection for Health Care Professionals
When it comes to health care professionals, we have you covered. We can search protection products designed to help protect you, your family and your lifestyle.