NHS Mortgages UK | Specialist Mortgage Advice for NHS Staff

Across the UK, NHS doctors, nurses, paramedics, support staff, and other healthcare professionals work tirelessly to keep communities safe and supported. Despite their essential roles, getting on the property ladder can still be a challenge, especially when working with modest or irregular salaries.

Fortunately, some mortgage lenders recognise the value of key workers and may offer more favourable lending terms to NHS staff. These benefits can include higher salary multiples, more flexible income assessments, and, in some cases, exclusive mortgage products.

While the official Key Worker Mortgage Scheme ended in 2019 and Help to Buy closed in 2023, there are still many routes and specialist lenders that provide excellent mortgage options and potential NHS discounts.

✅ Exclusive NHS Staff rates and Income Assessments

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✅ Over 100 lenders

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Mortgage Guides

Helping NHS Workers Secure the Right Mortgage Nationwide

Are you an NHS professional looking to buy your first home, move house, or remortgage? At Drummonds Finance Group, we specialise in NHS mortgages and understand how to make your unique income structure work in your favour. Whether you’re a nurse, doctor, paramedic, healthcare assistant, midwife or support staff—we’re here to help you secure the mortgage you deserve.

With access to over 100 UK lenders, including many who offer exclusive NHS mortgage deals and higher income multiples, we know exactly how to present your case and get you the best possible outcome.

🏥 What Is an NHS Mortgage?

An NHS mortgage is a home loan offered to current NHS employees—whether you’re on a permanent contract, bank staff, or working shifts—as a way to help you get on or move up the property ladder.

Some lenders provide special benefits for NHS staff, such as:

Higher salary multiples (up to 5.5 or 6 times salary)

Lower deposit requirements

More flexible underwriting (including overtime, banding, and shift work)

Discounted or exclusive NHS mortgage products

💡 Working unsociable hours and relying on variable income? We understand how to ensure those earnings are accurately counted.

✅ Who Qualifies for NHS Mortgages?

You may qualify for an NHS mortgage if you work in the following roles:

Nurses (RGNs, RMNs, District Nurses, Practice Nurses)

Doctors (GPs, Consultants, Junior Doctors)

Paramedics

Midwives

Healthcare Assistants (HCAs)

Radiographers and Pharmacists

NHS administrative, clerical or managerial staff

Support staff and bank workers (including those on zero-hour contracts)

📈 Income Multiples and How NHS Staff Mortgages Work

Many NHS workers are paid a base salary, but also rely on:

Overtime
Bank shifts
Unsociable hours enhancements
NHS banding (Agenda for Change)

At Drummonds Finance Group, we work with NHS mortgage lenders who include all of these in affordability calculations, unlike some banks that may disregard extra earnings.

🧮 Example:

Base salary: £28,000
Monthly overtime: £600
Unsocial hours allowance: £3,000 per year
Realistic borrowing: £175,000 – £210,000 (depending on lender)

🧰 NHS Mortgage Types We Offer

We offer tailored advice and solutions for all types of mortgage needs:

🏡 First-Time Buyer Mortgages for NHS Staff

5% deposit deals
Help to Buy (shared ownership, shared equity)
Family-assisted mortgages (e.g. gifted deposits)

🔁 Remortgage Support

Reduce your monthly repayments
Release equity for home improvements
Switch to a better fixed-rate mortgage

🚚 Moving Home?

Port your existing deal or switch to a better one
Expert help with affordability and timing

🏢 Buy-to-Let for NHS Professionals

Yes, NHS staff can invest in rental property
Personal and limited company BTL options

Why choose a local mortgage broker in Oxford?

As a local broker, we have in-depth knowledge of Oxford's property market, enabling us to provide personalized advice and access to exclusive deals not available through national lenders
How quickly can I get a mortgage approval?

We can typically secure an Agreement in Principle within 1–48 hours, depending on your circumstances.
Can I get a mortgage with a low deposit?

Yes, we work with lenders offering 5% deposit mortgages and can advise on schemes like Shared Ownership to help you get on the property ladder
Do you offer services for self-employed individuals?

Absolutely. We specialize in securing mortgages for self-employed clients, even with just 1–2 years of accounts.
What documents are required to apply for a mortgage?

Proof of ID (passport or driving license) Recent payslips (last 3 months) Bank statements Proof of deposit For self-employed: 2–3 years of tax overviews and SA302s
What additional costs should I budget for?

Legal fees Valuation/survey fees Mortgage arrangement fees Stamp Duty (if applicable) Moving costs Home setup expenses
How long does it take to complete a mortgage in Oxford?

On average, a mortgage can take 2 weeks to complete from application to offer, depending on the complexity of the case. At Drummonds Finance Group, we often secure a mortgage offers faster than 2 weeks for straightforward applications with all documents ready. Factors that can speed up the process include: Fast responses from the client Clear credit history Prompt valuations and solicitor work We work closely with lenders, valuers, and solicitors to keep things moving and minimise delays wherever possible.
Is Oxford a good place to buy property?

Yes, Oxford is widely regarded as one of the best places to invest in property in the UK. It boasts a strong local economy, world-class educational institutions, a vibrant cultural scene, and excellent transport links. The demand for housing in Oxford remains high due to its university population, medical and research centres, and proximity to London. Whether you're a first-time buyer, a home mover, or a buy-to-let investor, Oxford offers long-term value and strong rental potential.
Will house prices go up in Oxford?

While no one can predict the market with complete certainty, Oxford’s housing market has shown consistent long-term growth. Limited housing supply, a high volume of renters, and ongoing demand from students, professionals, and commuters support future price resilience. Economic forecasts and local development plans indicate that prices in Oxford are likely to continue rising over time, especially in well-connected and sought-after areas.
What is the average house price in Oxford?

As of 2025, the average house price in Oxford is approximately £525,000, though this varies widely depending on the area and property type. Flats typically range from £275,000 to £400,000 Terraced homes average around £500,000 Detached houses often exceed £800,000 Premium areas like Jericho, Summertown, and Headington command even higher prices.
What should I look out for when buying a house in Oxford?

Proximity to transport links – access to Oxford Parkway or mainline rail for London commuters can affect value. School catchment areas – top-rated schools like Cherwell School and Oxford High can increase demand. Leasehold vs. Freehold – many central Oxford flats are leasehold, so always check the remaining term and service charges. Flood zones – some areas near the River Thames or Cherwell may carry flood risks. Planning and development – check the Local Plan to see if any major changes or developments could affect the area.

NHS mortgages: Our Services

Comprehensive Mortgage Advice.

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First-Time Buyers Mortgages

We provide personalised guidance, ensuring you understand every aspect of the mortgage process and make informed decisions.

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Mortgages for Moving Home

Relocating can be complex, but with our comprehensive support, you can focus on finding your new home while we handle the financial details.

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Remortgaging

looking to reduce your monthly payments, switch to a better interest rate, or release equity for other investments?

🏠🔑👨‍💼
Buy To Let Mortgages

For landlords and property investors, navigating the buy-to-let mortgage market requires understanding ever-evolving regulations and financial products.