mortgages for nhs workers
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Get a mortgage without the stress. Save time, money and hassle and find the right mortgage rates with our fee free mortgage advice for NHS workers.
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YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Why choose us
Want fee free mortgage advice?
Whether you're a nurse, doctor, or any other NHS staff member, our NHS mortgage advisers can help you find a mortgage, saving time, money and hassle.
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
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Trusted by NHS workers.
Thousands of people have trusted our expert mortgage brokers to help them buy their first home, move to the next or remortgage. Lets see if we can help you too.
how to get mortgage advice
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Advice whenever you need it
Get expert NHS mortgage advice, from 8am - 8pm Monday to Friday & 9am - 6:30pm on Saturday & Sunday.
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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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nhs staff need help too
Your mortgage questions
Not quite. While there’s no specific “mortgages for NHS workers,” some lenders offer discounts, lower rates, or higher borrowing limits for NHS staff. Additionally, your stable employment and job security may be seen favorably by lenders.
Your GHL Direct mortgage adviser has experience in placing NHS staff with the right lenders. We partner with over 50 of the UKs top mortgage lenders and work with them daily.
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.
Getting mortgages for nurses, doctors or any other NHS workers is what we do every day.
We work with a number of lenders who offer specialist mortgages for NHS professions, taking into account their unique income structures and employment contracts.
Some lenders even offer preferential rates or relaxed affordability criteria for nurses and doctors.
Your GHL Direct mortgage broker can help you navigate the options and find the most suitable deal for your needs.
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.
Here are some questions you can ask your mortgage adviser:
- How much can I borrow?
- What type of mortgage is best for me?
- What are the interest rates and fees?
- What are the monthly repayments?
- What happens if I can’t afford to make my repayments?
- What are the pros and cons of different mortgage products?
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.
We provide no obligation, fee free mortgage advice for NHS workers*. From the initial mortgage application to completion, we’ll work around your busy schedule to make it as stress free as possible. Whatever your shift pattern, be it days, nights or even weekends, we’ll find a way to be help you find a mortgage.
* For Buy To Let Mortgages a broker fee may be charged depending on the complexity of your requirements. We will outline any fees during our chat.
Ready to find a mortgage
Whether its mortgages for nurses, doctors, or any other NHS worker, our mortgage brokers understand the unique financial situations of healthcare professionals.