The NHS is one of the largest employers in the UK. There are over 1.1 million staff within the NHS. Those staff are the NHS’ greatest asset and are responsible for providing exceptional levels of care in hospitals and in the community. Fox Davidson specialise in securing mortgages for NHS staff and offer mortgage advice to all NHS staff including Doctors, Dentists, Nurses and Paramedics.

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& Social Care Trusts

How to secure a mortgage for NHS staff.

The process couldn’t be simpler. NHS staff work long and unsociable hours. Fox Davidson recognise that and work by email, phone and online. We are flexible in our working hours too, so if you wish to speak with a mortgage broker on an evening or early in the morning, we will accommodate that. Whilst you are busy doing your job you can rest assured that we will be busy securing the finance you require, liaising with the lender, the surveyor, estate agents and solicitors to bring about a swift conclusion to the house buying and remortgage process.

Your Questions.

Do NHS staff get mortgage discounts?

Yes, there are certain lenders that offer exclusive mortgage rates and lending criteria to NHS staff, typically Nurses, Doctors and other health care 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 4 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.