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Mortgages for NHS Employees

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Mortgage360 are here to help you make the right choice.

Here at Mortgage360 we pride ourselves on offering tailored advice, coupled with great service. We are mortgage experts, so you can rest assured that you are in safe hands when searching for your new mortgage, whatever your situation may be.

Key Benefits

We are committed to guiding you through one of life's most significant financial decisions.

When it comes to securing the right mortgage, our expert team is here to ensure that you make informed choices tailored to your unique needs.

We have specialist knowledge of the mortgage market and will identify the right lenders for you.
We understand NHS income structures and can advise to optimise your options, from first time buyers through to remortgaging and buy to let.
We’ll match your mortgage solution to your professional situation.

If you work for the NHS, then enlisting the services of a specialist mortgage broker like Mortgage360 for mortgage advice can be of significant value.

Alongside saving you time and money, we also benefit from specialist knowledge of the mortgage market and mortgage lenders who understand that NHS income structures are often complex and multi-layered.

At Mortgage360, we help NHS workers to secure mortgage solutions tailor-made to match the individual circumstances of NHS staff, from first time buyers and home movers through to remortgaging and even buy to let for investment purposes.  

There are discounts available on the market through specialist mortgage lenders. As a specialist NHS mortgage advisor, we will broker the deal that’s right for you.

We’ll work with you to complete your mortgage application, we’ll advise on every aspect and ensure you end up with a mortgage suitable to your professional situation.

What is an NHS Mortgage?

There are a small number of lenders who can offer special rates or discounted fees for NHS workers. At Mortgage360, we’ll look at the entire market to find the most suitable product for you.

Our mortgage broker experience means we also have knowledge of opportunities like the First Home Scheme and broader Right to Buy initiatives, providing specialist mortgage advice for NHS workers that can help you secure your mortgage and your first property.

NHS employees cover a wide spectrum of roles within the NHS. Our expertise covers specialist NHS mortgages designed to match the requirements of clinical staff such as doctors, surgeons, nurses and locums as well as other qualifying positions.  

Who can get an NHS Mortgage?

So who is eligible for the special deals and special rates offered by individual mortgage lenders?

NHS staff mortgages are usually restricted to NHS clinical staff, but not just to doctors, nurses and front-line staff. There are options for those contracted to work for GP surgeries in primary care, ambulance trusts, certain dental practices, the National Blood Transfusion Service and mental health or social care and other key workers.

Are there special discounts on mortgages for NHS workers?

NHS workers may be viewed favourably by certain lenders, and you may even qualify for special NHS mortgage discounts, in certain circumstances. It is also possible that you may be accepted with a lower deposit than other applicants and qualify for lower interest rates.

It’s important to say that these special mortgage discounts are usually not available through mainstream lenders, so it’s important to consult specialist mortgage brokers with experience in this field.

Talk to us at Mortgage360 and we’ll provide NHS mortgage advice and guidance on NHS mortgages.

How much can I borrow and what sort of deposit do I need?

Your professional NHS status does not affect the amount you can borrow on a mortgage; this is based on an affordability assessment, looking at your personal financial circumstances, your incomings and outgoings and your credit history.

As a mortgage broker specialising in mortgages for NHS staff, at Mortgage360, we understand the impact that planned and incidental overtime can have on annual income, and how complex an NHS payslip can be with permanent shift allowances and other items.

We know that some lenders will take these into account when assessing affordability for NHS mortgages, as well as considering future scheduled pay increments and even additional work through agencies or the NHS Nursing Bank.

As a guideline, most lenders offer up to four and a half times your annual income, subject to overall affordability and more for higher earners. In common with every mortgage applicant, your credit rating and affordability criteria will play an important role to ensure you can afford your monthly payments.

Deposit requirements will be broadly similar to standard mortgage applications, although there are some specialist lenders who will consider a reduced deposit contribution for NHS professionals seeking an NHS mortgage.

Is there an NHS Help to Buy or Right To Buy Scheme?

No, but there are a number of schemes applicable to NHS personnel. These include;

– The Key Worker Housing Scheme 2023

The Key Worker Housing Scheme 2023 is an equity loan scheme for first time buyer key workers, only available on new homes. The Key Worker scheme offers an interest and payment free five year government loan meaning buyers can purchase a property with a deposit of just 5%, with the loan covering the remainder of the deposit.

– The First Homes Scheme

The First Homes scheme was introduced in 2021 to help local people, and in particular key workers like NHS staff, to get on the property ladder by being able to buy their first homes at discounts of at least 30% compared to the full market price.

– Shared Ownership

With the Shared Ownership scheme enables you to buy between 25% and 75% of your home, with lower deposits, smaller mortgages and lower monthly repayments. You will have to pay rent on the remaining share. This scheme only applies to a limited number of properties on the market as part of the scheme.

– Right to Buy

The Right to Buy scheme gives local authority and housing association tenants the option to buy the home they live in at a significant discount.

Talk to an NHS mortgage advisor at Mortgage360 for expert advice about the implications and opportunities for NHS workers.

How do lenders decide how much an NHS worker can borrow?

As an NHS worker, you’ll be subject to the same criteria as all other mortgage applicants. NHS applicants will be assessed on:-

  • Annual salary/contracted hours
  • Credit history
  • Your employment contract and role
  • Affordability assessments for mortgage payments

How can Mortgage360 help NHS staff find the right mortgage?

As an NHS employee, whether you’re a doctor, a nurse, a locum or another clinician, it’s vital to have all the relevant information and advice when considering your options for owning your home and securing the right mortgage. A specialist mortgage broker will give you the right advice and help you save time and money, securing the right mortgage offer for you.

We’re specialist mortgage brokers with access to more than 70 lenders. Talk to Mortgage360 for professional help and friendly advice with your mortgage application.


What mortgage discounts do NHS workers receive?

Some lenders offer mortgage discounts to NHS employees, such as lower rates and discounted fees. You may even qualify with a lower deposit than what’s typically accepted.
Mortgage discounts for NHS workers aren’t widely advertised. As a result, speaking with a specialist advisor beforehand is recommended.

Can I get a mortgage as a locum / self-employed doctor?

Yes, there are lenders that take locum and self-employed medical professionals into consideration when assessing a mortgage application.
Even applicants who have been rejected by other lenders because of their employment may be able to find approval after seeking the right advice.

Will a mortgage lender use my enhancements for working shifts, incl. weekends and bank holidays?

Yes, and if you receive these each month, some lenders will include 100% of this additional pay.

Mortgages for NHS Employees

Here at Mortgage360, we can provide expert advice on all your mortgage and insurance needs.

Whether you’re ready to get started on your journey now, or you’d just like a no obligation consultation, we’d love to hear from you…

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See what our clients are saying....

Pippa Lister
April 11, 2024

Gavin at Mortgage 360 was superb throughout. He responded quickly to any questions or queries we had, worked round our busy work life with evening zoom meetings and kept us regularly updated. He made the whole process straightforward and clear. Thank you Gavin

M Wick
April 10, 2024

Matt at Mortgage360 is an amazing broker. He was always on hand to lend support and offer calm and well explained help. As a first time buyer, his help was always appreciated and the service which they offer is top notch. I could not recommend mortgage360 highly enough

Stormin' F
March 13, 2024

I cannot recommend Gavin more highly for his invaluable and trustworthy expert support in navigating through the mortgage process. I have used Gavin’s services several times over the years and he had always gone above and beyond the call - thanks Gavin.

Ash Gibbs
March 9, 2024

Gavin has helped us to no end. Brilliant service and he was willing to go the extra mile to ensure we got the very best deal.

Ross McWilliams
February 22, 2024

Our experience using Mortgage360 has been absolutely brilliant. Matt has been there for us and supported with our mortgage application every step of the way, with an excellent outcome. Thank you for everything - you’re a star!

Jonathan Bush
February 16, 2024

Gavin arranged my Mortgage for my first home and i couldn't have been happier with the service received, explained things in great detail and communicated efficiently. I would recommend Mortgage360 to anyone in need of mortgage advice and I will be definitely using them in the future.

Nigel Porritt
February 15, 2024

I contacted Mortgage360 I was looking for help with the purchase of my first home. They were great at explaining all of my options, taking time to ensure I understood everything fully and constantly provided updates throughout the whole process. I couldn’t have asked for a better service and would highly recommend them. Thanks Gavin and Matt!

Richard Espin-Bradley
February 9, 2024

Matt Illingworth was superb! Readily available on the phone, or always called back within a short space of time. Made plenty of time to discuss our needs and never tried to hurry us into making decisions. His advice was clear and helpful.

James Hall
February 9, 2024

Gavin at mortgage360 has been outstanding, gives incredibly in depth information about all things mortgage related. Has helped us secure a mortgage at a better rate than we could have got ourselves, saving us lots of money. He made the whole process as stress free as possible and provided all templates for files we needed to send and always got back to our queries within a couple of hours at maximum. If I could give more than 5 stars I would. Keep it up Gavin!


There may be a fee for arranging a mortgage. The precise amount will depend upon your circumstances, however we estimate this to be between £200 and £600.