- Rated as excellent
- 4.98/5
- Open today
YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Why choose us
Find a mortgage, without the fees.
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No hidden fees, you'll never pay for our mortgage advice
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Appointments 7 days a week from 8am - 8pm
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Simple mortgage process — from application to approval
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Personal advice to save you time, money, and stress
Save Time
Skip the endless research and paperwork. We compare rates, prepare your application, and manage the process from start to finish
Save Money
Access better mortgage rates and lower fees, saving you hundreds on your monthly payments and thousands over your mortgage term.
Get Exclusive Rates
As experienced mortgage brokers, we can access thousands of mortgage deals — including exclusive offers you won’t find direct with lenders.
RATED 4.98/5
100% of reviewers recommend
how to get mortgage advice
How to get started
Advice whenever you need it
Chat to an NHS mortgage advisor, from 8am - 8pm Monday to Friday & 9am - 6:30pm on Saturday & Sunday.
However you want
You can chat via phone, video call or face to face
Why ghldirect?
Find the right mortgage the first time — with advice designed for NHS staff. We’ll help you find the right deal, fast — with no broker fees.
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Specialist NHS mortgage advisors
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Fee free, no-obligation mortgage advice
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Simple mortgage process — from application to approval
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Personal advice to save you time, money, and stress
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Fast, hassle-free process, we handle it all
Who qualifies?
If you work for the NHS in any capacity — whether as a nurse, doctor, paramedic, midwife, healthcare assistant, or support staff — you may qualify for our fee free specialist NHS mortgage advice.
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Mortgages for doctors
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Mortgages for nurses
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Mortgages for NHS support staff
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NHS Professional Mortgages
nhs staff faqs
Your mortgage questions
Yes — all NHS staff receive fee-free mortgage advice, so there are no hidden costs or surprises. Our mortgage brokers receive a payment from the lender (not you) when the mortgage completes.
So, no fee for our advice and no fee for our service. Nothing.
Like anyone looking to buy a home, remortgage or invest in a buy to let mortgage, your maximum loan amount depends on your income, expenses, credit score, and deposit.
However, some lenders may offer higher loan-to-income ratios (LTV) for NHS staff, allowing you to borrow up to 5.5x or even 6.5x your salary compared to the typical 3x to 5x.
Our mortgage advisors can compare thousands of mortgage rates, manage the application process, and find a mortgage tailored to your needs as an NHS Worker
While it might be more challenging compared to someone with a good credit score, our mortgage brokers work with lenders who specialise in offering mortgages to individuals with poor credit history or CCJs.
Yes, you can get a mortgage if you're self-employed but process might be slightly different compared to someone with a traditional job.
Mortgage lenders will typically require more financial information to assess your income stability, such as:
Tax returns: At least two years' worth of self-assessment tax returns (SA302 forms).
Accounts: Certified accounts for the same period.
Bank statements: Evidence of your income and spending patterns.
Absolutely — we help NHS staff switch to better rates or release equity, saving time and money on your remortgage.
A Mortgage in Principle (MIP) is a document from a lender that confirms how much you could potentially borrow to buy a property.
It's essentially a pre-approval for a mortgage, which can strengthen your offer when buying a house.
Once your documents are ready, approvals usually take 2–4 weeks. Your mortgage advisor handles everything for you from application to completion.
Ready to find a mortgage
Our NHS mortgage brokers specialise in helping nurses, doctors, and NHS staff find the right mortgage rates.