mortgages for nhs workers

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Not sure how to get a mortgage or struggling to find a mortgage that works for you? Find a mortgage broker who'll compare mortgage rates, submit your application, and everything in between.

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YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Why choose us

Mortgage brokers to get you moving

Many people are unsure how to apply for a mortgage, or even find a mortgage. That's where we help. Our mortgage brokers offer expert advice on buying your first time home, remortgaging, home moving and buy to let mortgages.

Save Time

Don’t waste your valuable time researching mortgage rates and completing lengthy application forms. We’ll take care of it for you.

Save Money

Save money on your mortgage with better rates and lower application fees, it could mean big savings on your monthly payments.

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Your mortgage broker has access to 1000’s of mortgage rates and exclusive offers that that may not be available to you directly.

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Thousands of people have trusted our expert mortgage brokers to help them buy their home, move to the next or remortgage. Lets see if we can help you too.

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Can I get a mortgage

Navigating the mortgage process can be overwhelming, with thousands of mortgage rates, complex terms, and calculating what you can afford to borrow.

Without mortgage advice, you risk making costly mistakes, overpaying, or even missing out on your dream home. The stress and uncertainty can make the process feel daunting and confusing.

Your GHL Direct mortgage adviser simplifies everything. With expert knowledge, access to exclusive deals, and personalized advice, we can save you time, money, and hassle.

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Your mortgage questions

A mortgage broker acts as an intermediary between you and various lenders to help you find the right mortgage rate that suits your needs and financial situation.

They can also be known as mortgage advisers or financial advisers

A good mortgage broker will help you find the right mortgage for your needs and circumstances. They will assess your financial situation, recommend suitable lenders and mortgage products, and guide you through the application process.

If you've been declined for a mortgage, simply don't know how to get a mortgage or even how to apply for a mortgage, a mortgage broker could really help you.

While you can apply for a mortgage directly with a lender, a mortgage broker can offer several advantages:

Expertise: Mortgage brokers have in-depth knowledge of the mortgage market and can help you navigate the complex process.
Access to a Wider Range of Lenders: Brokers often have relationships with multiple lenders, allowing them to find you the best deals.
Negotiation Skills: They can negotiate on your behalf to secure more favorable terms, such as lower interest rates or reduced fees.
Time-Saving: Brokers can handle much of the paperwork and administrative work, saving you time and effort.
Personalised Advice: They can provide tailored advice based on your specific needs and financial situation.

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.

It's important to note that interest rates for mortgages with bad credit are generally higher than those for individuals with good credit. This is because lenders perceive a higher risk of default.

If you're considering applying for a mortgage with bad credit, it's advisable to consult with a mortgage broker like GHL Direct. They can help you assess your options, find suitable lenders, and negotiate the best possible terms.

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.

Here are some questions you can ask your mortgage adviser:

  1. How much can I borrow?
  2. What type of mortgage is best for me?
  3. What are the interest rates and fees?
  4. What are the monthly repayments?
  5. What happens if I can’t afford to make my repayments?
  6. What are the pros and cons of different mortgage products?

Fixed-rate mortgages: With a fixed-rate mortgage, your interest rate will stay the same for the entire term of the mortgage. This can provide peace of mind, as you know exactly what your monthly payments will be. However, if interest rates rise, you will not benefit from the lower rates.

Variable-rate mortgages: With a variable-rate mortgage, your interest rate will fluctuate based on the Bank of England base rate. This means that your monthly payments may go up or down, depending on the market. However, if interest rates fall, you will benefit from the lower rates.

Tracker mortgages: A tracker mortgage is a type of variable-rate mortgage that tracks the Bank of England base rate. This means that your interest rate will always be a certain percentage above the base rate.

Discounted mortgages: A discounted mortgage is a type of variable-rate mortgage that is offered at a discount to the lender’s standard variable rate (SVR). This means that your interest rate will be lower than the SVR, but it may still fluctuate.

First time buyer scheme: Help to Buy: Equity Loan | Shared ownership | The Mortgage Guarantee Scheme

Your first meeting with a GHL Direct mortgage adviser is fee free and doesn't commit you to anything. We'll chat about your mortgage goals and see how we can help.

Just to be upfront, our mortgage advisers might charge a fee based on how complicated your situation is. Some mortgage brokers charge a one-time fee, while others earn a commission from the lender. Your adviser will explain everything clearly before we start

Ready to find a mortgage

Our mortgage brokers know how to get a mortgage, sit back and let us take the stress out of buying your first home.

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