Mortgage advice for NHS workers

An initial meeting with a GHL Direct mortgage advisor to discuss your mortgage will usually be under 30 minutes. We appreciate your not working the standard office hours so we’re available 7 days a week from 08:00 – 20:00. If that’s not suitable just let us know, we will always try to make time for you. We can even do this on your lunch breaks over the phone or via video chat.

We can offer you completely free mortgage advice to make sure you are getting the right mortgage for your situation. We charge no mortgage fees for NHS workers, that’s zero, nothing at all to pay. Its a small gesture but hope it goes some way to show our appreciation for your hard work.

If you are a first-time buyer, the first question you probably asked was, ‘how much can I borrow’ or ‘can I afford a mortgage’. You probably also want to think about how much you can safely borrow. It’s important to think about what would happen if your circumstances were to change and your were unable to meet your mortgage repayments. It does happen so factor in all your other monthly payments before deciding how much you’d like your mortgage loan to be.

Before looking at properties or trying to arrange your mortgage, you need to save for a deposit. Generally, you’ll need to try to save at least 5% of the cost of the home you’d like to buy. For example, if you want to buy a home costing £150,000, you’ll need to save at least £7,500 (5%) for the deposit. Saving anything above 5% will give you access to a wider range of cheaper mortgages available on the market and a lower interest rate. To save money long term try and put down as much as you possibly can afford.

To put it bluntly, the best mortgage for you is one that you can afford. There are many types of mortgages for first time buyers, different mortgage repayment options and 1000s of mortgage rates on the market. Your mortgage advisor will be able to source your mortgage based on income, deposit and loan to value to find the the right mortgage offer for you.

If your a first home buyer our mortgage advice can be a great help. Taking professional mortgage advice can make the difference between a successful mortgage application and being rejected. It may also lead to a much better value deal as we have access to over 50 major mortgage lenders in the UK. This could potentially saving you thousands of pounds over the mortgage term.

Our mortgage advisors are not restricted to any particular providers and will act solely in your best interests. We have access to over 15,000 mortgages from 53 of the UKs top mortgage lenders, we can even offer you deals your own bank may not. You should be confident the deal they recommend will be the best available mortgage for your circumstances. You also get to speak to us anytime of the day whereas your bank may only operate during business hours.

We really hope this isn’t the case but if you really don’t like our company or our advice its absolutely no problem at all. Your under no obligation to take our advice or in fact any mortgage advisors advice and this call is completely free to you

Once we have identified the options available, we’ll meet or chat with you again to discuss our recommendations over the phone. We’ll also write to you so you can review what we have suggested, and why. Assuming you’re happy with our recommendations, we’ll work with you to complete the application forms and liaise with your solicitor, valuers and surveyors on your behalf. We can also talk you through the vital areas involved in financially protecting your new property and we’ll stay in touch throughout the process – and into the future.

Buying a property isn’t just about the right mortgage; it also involves solicitors, surveys and insurance. Your financial advisor can help you will all of this and will talk you through the options at a later stage. One advisor, multiple solutions. We aim to keep it all stress free for you.