mortgages for nhs workers

Fee-Free Mortgage Advice For NHS Staff

  • No mortgage broker fees to pay - ever
  • Your own dedicated adviser from start to finish
  • NHS income, overtime & bank shift specialists
SPEAK TO AN ADVISER TODAY
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  • Rated as excellent
  • 4.98/5
  • Open today

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

Why choose us

Why NHS staff Trust our mortgage advisers

  • Flexible appointments 7 days a week
  • Support around shifts, overtime and variable income
  • Dedicated adviser from start to finish
  • Simple, stress-free mortgage process

Save Time

Skip the endless research and paperwork. We compare rates, prepare your application, and manage the process from start to finish

Save Money

Access better mortgage rates and lower fees, saving you hundreds on your monthly payments and thousands over your mortgage term.

Get Exclusive Rates

As experienced mortgage brokers, we can access thousands of mortgage deals — including exclusive offers you won’t find direct with lenders.

RATED 4.98/5

100% of reviewers recommend

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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.

  • NHS mortgage specialists
  • Overtime, bank shifts & variable income considered
  • We compare 1,000s of mortgage deals
  • One adviser from start to finish
  • We handle the paperwork and lender conact
BOOK YOUR FREE CALL
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Who can we help?

Whether you're buying your first home, moving house or remortgaging, our advisers help NHS employees across a wide range of roles and departments.

  • Doctors & Consultants
  • Nurses & Midwives
  • Paramedics & Ambulance Staff
  • Healthcare Assistants
  • NHS Support & Administrative Staff
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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.

Potentially, yes. Some lenders will consider fixed-term contracts, especially where there is a history of continuous NHS employment or evidence of contract renewals.
Yes. If your current mortgage deal is ending, remortgaging could help you secure a lower rate, reduce your monthly payments or release equity from your property. An adviser can compare available options and guide you through the process.

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 no broker fees to pay.

SPEAK TO A MORTGAGE BROKER