Mortgages Designed for NHS Workers

As an NHS worker, you dedicate your life to helping others.

Therefore, now it’s time for us to help you.

Although navigating the world of mortgages can be complex, as experienced mortgage brokers, we’re here to make the journey easier, smoother, and ultimately more rewarding for you.

A group of nurses and healthcare workers standing together, smiling and looking supportive. The image has a blue overlay.
A group of nurses and healthcare workers walking through a corridor, smiling and looking supportive. The image has a blue overlay.
  • 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 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.


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.

Let us help you, while you protect us.

Access to exclusive deals and criteria as a health care professional

Student Bursary

Bursary for a mortgage?

Using your NHS bursary towards a mortgage is not only possible but also highly beneficial.

In fact, it can be used as an income, giving you access to mortgage deals you wouldn’t think were possible.

Additionally, with expert guidance from our mortgage brokers, you can effectively leverage your bursary to secure the best terms and ultimately make your dream of homeownership a reality.

Furthermore, you can utilise your bursary along with bank income to further boost your chances.

NHS Bank Shifts

Bank shifts to support your mortgage?

Utilising your NHS bank income to obtain a mortgage is not only achievable but also offers significant advantages.

Firstly, this additional income stream can enhance your affordability, making you a more attractive candidate to lenders.

Furthermore, you can use this income alongside your standard NHS income, bursary income, or even as a standalone.

By working with our skilled mortgage brokers, you can effectively transform your NHS bank income into a powerful tool for securing your ideal home.

Future Increment Change

Using your future income?

Your income will change over time with natural incremental increases.

Consequently, we can help utilise this future income and use projected earnings for a mortgage.

Moreover, future salary increments can improve your financial outlook, making you a more appealing prospect for lenders.

Moreover, with the expertise of our mortgage brokers, you can effectively leverage your expected income growth to secure favourable mortgage terms, ensuring your pathway to homeownership aligns perfectly with your career progression.

Utilise your shift allowance

Additional income to support your application

Leveraging shift allowances from evening work, weekend shifts, and overtime can significantly enhance your mortgage prospects.

These additional earnings, in turn, boost your overall income, making you a more attractive candidate to lenders.

Furthermore, by partnering with our experienced mortgage brokers, you can effectively utilise your shift allowances to secure competitive mortgage terms.

Therefore turning your extra work hours into a stepping stone towards homeownership.

First Post or Moving Role

First permanent post or getting a new role?

Getting a mortgage with future contracts or your first permanent job is possible.

Indeed, your upcoming steady income boosts your financial stability, making you more appealing to lenders.

Additionally, with help from our expert mortgage brokers, you can effectively use your expected earnings from future contracts or that new permanent role to snag great mortgage terms.

Ultimately, this makes your dream of owning a home a reality as you advance in your career

Flexible approach to appointments

Appointment booking at a convenient time

If you do shift work, you may not always be available at standard times.

However, our specialist advisers are flexible and are usually contactable by mobile during evenings and weekends to assist you.

Consequently, we can be there to help guide you through the process at a time that is convenient for you.

Protection for Health Care Professionals

When it comes to health care professionals, we have you covered. We have access to exclusive protection products that can protect you, your family and your lifestyle.

Thanks for all your help. The process was so quick and efficient would totally recommend your services to others.

NHS Mortgage Specialist to assist with your mortgage requirements.

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