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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.

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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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.


See what our clients are saying....

Zoe Cameron
September 28, 2023

Great service from Mortgage360, following a recommendation from my financial advisor. They efficiently went through our criteria and found the best mortgage to suit our needs. Their comms are great, they kept me fully informed throughout. Thank you Gavin and Matt.

Barnaby Fox
September 14, 2023

Gavin/the team was extremely efficient and communicative through the whole process, resulting in getting a mortgage at a great rate.

Richard Fryer
June 30, 2023

After working with Matt from Mortgage 360 previously on our first mortgage he shows excellent customer service and caters for the needs of the client. Couldn’t be happier working with Mortgage 360 especially in the current climate as the business answers all the questions asked and takes the customers best interests into account.

Samia Umarq
May 15, 2023

Gav arranged my mortgage he was great throughout the process keeping informed, very friendly and knowledgeable highly recommend him.

R Virk
R Virk
May 10, 2023

Excellent service from Gavin Watson

I contacted Gavin Watson, as I was needing to remortgage my property quickly, as my previous fixed arrangement was due to end within weeks. Therefore, there was a sense of urgency on my part. I need not have worried as Gavin was very supportive and professional from the first contact to the completion of the new mortgage arrangement. He took the time to listen and explain all the options I had and guidance on the best option for my particular circumstance. Gavin ensured the remortgage was completed effectively and efficiently, not to mention, well within the timescale. If you are looking for a professional, who has the best interests at heart for his clients, then look no further. I highly recommend Gavin Watson, if you are in the market for a mortgage. Thank you so much Gavin for such an excellent service.

Angela Holder
Angela Holder
May 6, 2023

Great service from Matt for the second…

Great service from Matt for the second time. He was fast to give advice and extremely efficient in obtaining the best possible mortgage. The whole process was smooth and stress free.

Aiden palmer
Aiden palmer
May 4, 2023

Brilliant service!

Brilliant service!! Gavin has helped us so much to get our mortgage and we couldn’t have done it without him. We will definitely use him again in the future. Thankyou so much!

GALE Boyes
April 21, 2023

Absolutely amazing service from Matt can't thank him enough for securing our mortgage for our forever home considering our past credit history. Thankyou again Matt at pulsar. 100% recommend.

Jamie Chan
Jamie Chan
April 4, 2023

Matt continues to provide exceptional…

Matt continues to provide exceptional client services, and is very diligent in searching the market for the best deal. Highly recommended. Thanks, Jamie

Sue Alexander
Sue Alexander
March 16, 2023

I recommend Pulsar to everyone

I would recommend Pulsar to everyone. Gavin has been amazing helping me to buy my council house. As this is my first home purchase and I’m not young!! He made everything easy to understand and made the mortgage mind field easier to navigate, getting me the best deal. I know that ongoing support is there if and when I need it. Thank you Gavin x

David Ian
David Ian
March 3, 2023

Great service, friendly, prompt and professional personal recommendation led us to…

A personal recommendation led us to Pulsar F. S. Matthew Illingsworth was very helpful, prompt and supportive through the process of obtaining a bridging loan to purchase. The documentation explained our options and laid out the process clearly. Would full recommend to others.

Amanda Underhill
Amanda Underhill
February 27, 2023

Remortgage recommendation

Gavin has been absolutely amazing dealing with my remortgage. Professional but personable from the start, he has been able to secure the right mortgage for me and supported me through the process giving impartial advice and a range of options for me to consider. He’s provided timely support, and has been contactable to answer questions as needed - this has been exactly what I needed during a stressful time remortgaging during divorce negotiations. I’d highly recommend Pulsar Financial Services!

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