Mortgages for NHS staff. Less stress. £0 fees.
From basic salary to overtime and bank shifts, we understand how NHS income works. Access 1,000s of mortgage deals — with £0 broker fees
We do the hard work. You relax.
Flexible appointments within the hour, 7 days a week. NHS, first-time buyer & complex income specialists
Choose a convenient day and time for your 30 minute mortgage call. It's free and there's no obligation
Tell your mortgage adviser what you're looking for and we'll tell you how much you can borrow and explain your options.
We'll compare 1,000s of mortgage deals from leading UK lenders to find the right option for you.
Once you're happy, we'll prepare and submit your mortgage application and handle the paperwork.
We'll stay with you throughout the mortgage process, from the first call right through to completion.
YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Why choose us
We help NHS staff find the right mortgage
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Support around shifts, overtime and variable income
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Dedicated adviser from start to finish
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Specialists in NHS, first time buyers & complex incomes
Save Time
Skip the endless research and paperwork. We compare rates, prepare your application, and manage the process from start to finish
Make Your Income Count
Overtime, bank shifts and additional income can make a difference. We know which lenders are more likely to consider the way NHS staff are paid.
£0 Broker Fees
Get specialist mortgage advice without paying us a broker fee. We’ll compare 1,000s of deals from 50+ UK lenders to find the right option for you.
Why ghldirect?
Finding the right mortgage as an NHS employee shouldn't be complicated. Our specialist advisers understand NHS pay structures, overtime and bank shifts, helping you find the right mortgage with less stress and less paperwork.
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NHS mortgage specialists
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Overtime, bank shifts & variable income
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Compare 1,000s of mortgage deals
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One adviser from start to finish
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We handle the paperwork and lender contact
Who can we help?
Whether you're buying your first home, moving house or remortgaging, we help NHS employees across a wide range of roles find the right mortgage.
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Doctors & Consultants
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Nurses & Midwives
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Paramedics & Ambulance Staff
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Healthcare Assistants
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NHS Support & Administrative Staff
we have answers
NHS mortgage FAQs
Some lenders view NHS employment favourably because it is generally considered stable and secure. While there are no guaranteed approvals, NHS employees may have access to a wider range of mortgage options depending on their circumstances.
So, no fee for our advice and no fee for our service. Nothing.
Yes. Many lenders will consider overtime, bank shifts and additional NHS income when assessing how much you can borrow. The amount accepted varies between lenders, which is why specialist advice can help.
There are no universal NHS mortgage rates available to all staff, but some lenders have criteria that work particularly well for NHS employees. A mortgage adviser can help identify the most suitable options.
Yes. Many lenders are happy to consider applications from newly qualified NHS professionals, including nurses, doctors and other healthcare workers, provided affordability and lending criteria are met.
Ready to find the right mortgage?
Speak to an NHS mortgage specialist today. We’ll compare 1,000s of mortgage deals, handle the paperwork and help you find the right mortgage — with £0 broker fees