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NHS Mortgages

Specialist mortgage solutions with exclusive benefits for healthcare professionals

FCA Regulated
NHS Benefits
Higher Borrowing
Competitive Rates

Table of Contents

Understanding NHS Mortgages

If you are employed by the NHS and planning to buy a home or remortgage, some lenders may offer mortgage products specifically tailored to healthcare workers. These can include enhanced affordability assessments, lower deposit requirements, and exclusive benefits—helping you make the most of your income and employment stability.

If you work for the NHS—whether as a nurse, doctor, paramedic, midwife, support staff, or admin—you may be eligible for mortgage products tailored specifically to healthcare professionals. Many lenders recognise the job security and reliability of NHS employment and offer enhanced affordability assessments, lower deposit requirements, and even exclusive deals. These could include flexible criteria around overtime, shift allowances, or bank work, which aren’t always considered in standard applications.

NHS mortgages can help both first-time buyers and home movers by improving borrowing potential and reducing upfront costs. Some providers may also waive application fees, offer cashback on completion, or provide bespoke underwriting support for newly qualified staff. By working with a specialist broker, NHS employees can access a wider range of products designed to support them in stepping onto or moving up the property ladder.

Key Benefits for NHS Staff

  • Borrowing up to 5.5 times your income – available for certain roles such as doctors, subject to affordability and individual lender criteria
  • Deposits starting from 5% – available to eligible first-time buyers, subject to credit checks and lender approval
  • Inclusion of overtime and shift allowances – where accepted, this may enhance your assessed income
  • Exclusive mortgage incentives – such as cashback or free valuations for NHS staff, subject to availability and lender discretion
NHS Benefits

Mortgage Calculator

1

Select Your Role

Choose your NHS position

2

Include Overtime

Add shift allowances

3

Choose Deposit

5% to 40% options

4

Get Estimate

Based on lending multiples

Instant Mortgage Quoting

Use the quick and simple quotation system to get a mortgage quote in seconds.

Eligibility Criteria

NHS Staff Categories

  • NHS staff with permanent, fixed-term, or bank contracts

  • A minimum of six months' continuous employment

  • Not currently serving a probationary period

NHS Eligibility

Specialist Mortgage Offers for NHS Workers

Exclusive mortgage rates for NHS professionals

Up to 5.5x income for consultants
Competitive interest rates

Special benefits for healthcare workers

Up to £1,000 cashback for nurses
Flexible lending criteria

Tailored solutions for NHS staff

Free property valuation
Higher borrowing potential
All offers are subject to change and dependent on individual eligibility and lender terms and conditions.

The NHS Mortgage Process

1

Documentation

Gather your NHS-specific documents:

  • NHS ID and employment contract
  • Recent payslips (3-6 months)
  • P60 and bank statements
  • Proof of address
2

Affordability Assessment

We'll assess your borrowing capacity based on your NHS salary and benefits.

NHS Staff Benefits: Higher income multiples available for NHS employees Subject to individual circumstances and lender criteria
3

Specialist Lender Matching

We'll match you with lenders who offer:

  • Preferential rates for NHS staff
  • Higher borrowing multiples
  • Understanding of NHS employment

Available Mortgage Products

Product Type Features Best For
NHS First-Time Buyer
Up to 95% LTV
Special rates for NHS staff
Higher borrowing multiples
NHS staff buying their first home
NHS Remortgage
Flexible terms
Competitive rates
Cashback options
NHS staff looking to switch mortgages
NHS Buy-to-Let
Investment focused
Specialist lending
Portfolio options
NHS staff investing in property
NHS Shared Ownership
Lower deposit options
Buy 25-75% of property
Government backed
NHS staff with lower deposits

Frequently Asked Questions About NHS Mortgages

Yes. Lenders will typically consider average locum income over a 12 to 24-month period, subject to eligibility criteria.

In some cases, pension contributions are not deducted from income for affordability purposes. This depends on the lender's assessment methodology.

Yes. Some lenders accept applicants on Tier 2 visas, provided additional conditions are met, such as length of time remaining on the visa.

Why Choose Us

Trusted by NHS Staff

We've helped thousands of healthcare professionals across the UK secure their dream homes with tailored mortgage solutions

Expert Knowledge

Our mortgage advisors specialize in NHS-specific pay structures, ensuring you get the best possible deal for your circumstances

No Upfront Fees

Enjoy free expert advice and comprehensive support throughout your mortgage journey, with no hidden costs

Important Information

Risk Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.
Regulatory Disclosure: This service is provided by WIS Contractor Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA Registration Number: 824411.
Important Note: All mortgage quotes and advice are subject to individual status, affordability assessments, credit checks, and lender approval.
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WIS Mortgages and Protection Services is a trading name of WIS Contractor Mortgages Limited who is authorised and regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK, and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA's website https://register.fca.org.uk/ or by contacting the FCA on 0800 111 6768. Our Financial Services Register number is 824411

Some Buy to Let mortgages are not regulated by the Financial Conduct Authority therefore you may not have the same consumer protection with these mortgages as they are considered a business transaction.

Registered in England and Wales with company registration number 11496588 the registered address is 4 Imperial Place, Maxwell Road, Borehamwood, England, WD6 1JN.

We are a credit broker, not a lender and information on our charges can be found here

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments