Mortgage advice for NHS staff: nurses, doctors, dentists, paramedics, newly-qualified nurses, emergency services and key workers
The NHS is one of the largest employers in the UK, with over 1.1 million staff within the NHS.
Those key worker staff are the greatest asset of the NHS and are responsible for providing exceptional levels of care in hospitals and in the community in the UK.
Who can apply for an NHS staff mortgage?
To apply for an NHS staff mortgage, you need to be permanently employed by the NHS, including:
- GP surgeries
- The ambulance trust
- Primary care trusts
- NHS Direct
- National Blood Transfusion Service
- NHS dental practices
- Mental health and social care trusts
How to secure a mortgage for NHS staff
The process couldn’t be simpler.
As NHS staff work long and unsociable hours, we at Fox Davidson can work by email, phone, and online.
We are flexible in our working hours, too, so if you wish to speak with a mortgage broker in the evening or early in the morning, we can accommodate that.
While you are busy doing your job, you can rest assured that we will be busy securing the finance you require.
We will liaise with the lender, the surveyor, estate agents and solicitors to bring about a swift conclusion to your house buying and remortgage process.
Frequently asked questions
Do NHS staff get mortgage discounts?
Yes, there are certain lenders that offer exclusive NHS mortgage rates and lending criteria to NHS staff, typically nurses, doctors, and other healthcare professionals.
Can a newly-qualified nurse get a mortgage?
Yes – newly-qualified nurses can get a mortgage using their new basic salary.
In fact, lenders will provide mortgages to newly-qualified nurses that have an employment contract starting up to four months in the future.
Can I get a mortgage with bank nursing income?
Yes – there are several mortgage lenders in the UK who will use bank nurse income for the purpose of securing a mortgage.
This income usually needs to be evidenced over at least 12 months.
A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.