NHS Staff Mortgages

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

✅ Quick turnaround times

✅ Over 100 lenders

✅ Deal directly with a dedicated, friendly broker

CALL: 0330 1330034

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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?

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)

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)

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🧰 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