mortgages for nhs workers
Fee Free Mortgage Advisors For NHS Staff
Buying a home is a big step - we’d love to help you take it. With GHL Direct, NHS workers get free mortgage advice that saves time, money, and hassle — all with no fees.
- Rated as excellent
- 4.98/5
- Fee free
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.
Expert mortgage advice, zero broker fees, and full support — from finding the best rate to getting approved, we handle everything to save you time, money, and stress.
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, lower application fees & free mortgage advice. Make big savings on your monthly payments.
Get Exclusive Rates
Your mortgage adviser has access to 1000’s of mortgage rates and exclusive offers that that may not be available to you directly.
Couldn’t have asked for better service!
Jamie Radcliffe
client reviews
Trusted by NHS workers.
Don't just take our word on it. 1000's of people have trusted our expert mortgage brokers to help them buy their first home, move to the next or remortgage.
how to get mortgage advice
Get a fee free mortgage call
Advice whenever you need it
Get expert NHS mortgage advice, 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
free mortgage advice
Can I get a mortgage
Don't let the stress of finding and qualifying for a mortgage as an NHS worker hold you back from buying a home. Our experienced mortgage advisers are used to helping busy NHS staff and will guide you through the process, step by step.
We’ll make sure you’re eligible for the mortgage loan and that you can afford it. With access to exclusive mortgage rates and personalized advice, we’ll help you find the right mortgage for your needs.
Our mortgage advisers are experienced in placing NHS staff with mortgage lenders who look more favourably on those with unusual income structures.
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Mortgages for nurses
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Mortgages for doctors
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Free mortgage advice
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No obligation quote
nhs staff need help too
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 mortgage brokers specialise in helping nurses, doctors, and NHS staff find the right deal.