NHS Mortgages UK | Specialist Mortgage Advice for NHS Staff

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 precisely how to present your case and get you the best possible outcome.

🎯 Get Free NHS Mortgage Advice Today Book your free consultation

🏥 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 get those earnings 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)

Not sure if you qualify?📞 **Call our team or **message us and we’ll confirm instantly.

📈 Income Multiples and How NHS 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 yearRealistic borrowing: £175,000 – £210,000 (depending on lender)

💬 Maximise your borrowing – ask us which lenders count your full earnings.

🧱 Your NHS Staff Mortgage Hub – Built for You

At Drummonds Finance Group, we don’t just understand mortgages—we understand NHS staff mortgages. We know that shift patterns, unsocial hours, and additional banded pay can make mortgage applications more complicated with high-street banks. That’s why we specialise in NHS worker mortgage solutions that truly reflect your real earning potential.

As a trusted broker for healthcare workers across the UK, we work with lenders who consider:

• Bank and agency shifts

• Overtime and NHS enhancements

• Band-based contracts and fixed-term positions

💡 Whether you're newly qualified, relocating, or exploring your first buy-to-let, we’ll match you with NHS-friendly lenders who know your worth.

⭐ Why NHS Staff Choose Us:

• Lenders offering up to 6x salary for key workers

• Deposit options from just 5%

• Mortgages tailored to doctors, nurses, midwives, paramedics and beyond

• Fast-track approvals that suit your busy schedule

🎯 Let’s turn your NHS salary into keys in hand. 📞 Start your mortgage journey today or call us.

🧰 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

💬 FAQs – NHS Mortgages UK

Q: Can bank staff get a mortgage?

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

Q: Can I get a mortgage based on my full NHS pay?

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

Q: Are there mortgage discounts for NHS staff?

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

Q: How much can I borrow as an NHS worker?

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

Q: What deposit do I need?

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

📣 Why Choose Drummonds Finance Group for NHS Mortgages?

We’re passionate about supporting NHS workers and have helped hundreds of healthcare professionals across the UK secure the best mortgage deals.

✅ Over 100 lenders on panel – including NHS-friendly options

✅ We understand how NHS payslips and shift patterns work

✅ Fast, free initial consultations and expert guidance

✅ Honest, jargon-free advice from experienced brokers

🏆 We work evenings and weekends to suit NHS shift patterns

🌍 Nationwide NHS Mortgage Advice

Wherever you are in the UK—from London to Leeds, Cardiff to Edinburgh—we can help. Our remote team works nationwide, offering phone and video consultations tailored to your needs.

🩺 Whether you’re on the front lines or behind the scenes, you deserve a mortgage that works for you.

➡️ Request your free NHS mortgage consultation

Your home may be repossessed if you do not keep up repayments on your mortgage.