NHS Staff Mortgages
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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.
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.
What Is an NHS Mortgage?
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.
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) and 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:
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Nurses (RGNs, RMNs, District Nurses, Practice Nurses)
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Doctors (GPs, Consultants, Junior Doctors)
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Paramedics
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Midwives
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Healthcare Assistants (HCAs)
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Radiographers and Pharmacists
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NHS administrative, clerical or managerial staff
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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:
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Base salary: £28,000
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Monthly overtime: £600
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Unsocial hours allowance: £3,000 per year
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Realistic borrowing: £175,000 – £210,000 (depending on lender)
Supporting NHS staff with the right mortgage at every stage
Tailored mortgage advice for NHS staff at every stage
We provide clear, personalised mortgage advice designed around the realities of NHS employment, including shift work, overtime, banding, and multiple income streams. Whether you are buying your first home, moving, refinancing, or investing, we can help.
First-time buyer mortgages for NHS staff
Buying your first home can feel overwhelming, especially alongside a demanding NHS role. We help you understand precisely what is possible and guide you through every step of the process.
This includes access to mortgages with deposits as low as 5 per cent, support with shared ownership and shared equity schemes, and advice on family-assisted options such as gifted deposits. We also help NHS staff maximise borrowing by correctly assessing overtime, enhancements, and additional income.
Remortgage support for NHS professionals
If your current mortgage deal is ending, or your circumstances have changed, we can review your options and help you secure a better outcome.
This may include reducing your monthly repayments, switching to a more competitive fixed rate, or releasing equity for home improvements or other personal plans. We handle the full process from review to completion, keeping disruption to a minimum.
Moving home while working in the NHS
If you are moving home, timing and affordability are key, especially when balancing work commitments and changing household needs.
We can advise on whether porting your existing mortgage makes sense or whether switching lenders would be more beneficial. We also help NHS staff navigate affordability assessments, ensuring income is presented correctly to give you the strongest possible application.
Buy-to-let mortgages for NHS staff
Many NHS professionals choose to invest in property alongside their main career. Yes, NHS staff can absolutely invest in buy-to-let property, and we regularly arrange mortgages for this purpose.
We advise on both personal name and limited company buy-to-let options, helping you understand lender criteria, rental calculations, and long-term strategy before you proceed.