FAQ's

Yes, many lenders now accept bank income as part of your affordability—especially if it’s consistent.

Absolutely. We help present your case with payslips, P60s, and rota history to maximise your declared earnings.

Some lenders offer exclusive NHS mortgage products or waive certain fees. We know which ones do.

You may be able to borrow 4.5–6x your salary depending on the lender, your role, and income mix.

As little as 5% for residential purchases, subject to credit checks.

Yes, in many cases. Certain lenders will include regular overtime, shift allowances, weekend work, and on call payments when assessing affordability. How this income is treated depends on consistency and how it appears on your payslips. This is one of the biggest reasons NHS staff benefit from specialist advice.

Not usually. Many NHS staff work variable hours or hold more than one role. As long as the income is sustainable and clearly evidenced, lenders are often comfortable. Presenting this correctly to the lender is key.

Yes. There are lenders offering mortgages with deposits as low as 5 percent, subject to affordability and credit profile. We regularly help NHS staff access these options and understand whether a higher deposit might improve rates or borrowing power.

Yes. Shared ownership and shared equity schemes are commonly used by NHS staff, especially first time buyers. We help you understand how these schemes work, how affordability is assessed, and which lenders are most suitable.

Yes. Gifted deposits from close family members are widely accepted by lenders. There are also family assisted mortgage options available in certain cases. The key is ensuring the gift is structured correctly and meets lender requirements.

Yes. NHS staff can invest in buy to let property in their personal name or through a limited company. Lenders will assess rental income and overall affordability. We regularly arrange buy to let mortgages for NHS professionals.

Does working for the NHS help with mortgage approval?

There is no single minimum length of NHS service required to get a mortgage. Some lenders are happy to consider applications from NHS staff who have just started a new role, provided the employment is permanent or on a long term contract and the income can be evidenced.