Fee-Free Mortgage Advice for NHS Workers
NHS Mortgages
Supporting the Heroes Who Support Us
If you work for the NHS and are wondering whether your role impacts your ability to get a mortgage, Bright Money would be happy to help. We’re specialist mortgage brokers offering fee-free advice, we have over 70 years’ experience helping clients and understand the unique challenges faced by NHS staff we’re in a good position to help
Why Choose Bright Money
We can help with your NHS Mortgage
At Bright Money, we’ve helped NHS professionals, from paediatric nurses to porters, radiographers to surgeons, navigate the mortgage process. We know working for the NHS often comes with unique pay structures and challenges, such as:
Shift Work and Overtime
NHS staff earn a significant portion of their income through unsocial hours, overtime, and enhancements (e.g., night shifts, weekend pay). This can be a minefield for lenders to understand
Salary Band Restrictions
NHS salaries are often capped at certain bands, which may limit borrowing power without the right advice
Short-Term Contracts
Temporary contract or working as a locum, it can be tricky to find a lender that understands your earning potential
Bank Shifts
Many NHS staff supplement their income with bank shifts, which some lenders may not consider as guaranteed earnings
We specialise in presenting income accurately to the right lenders, ensuring you’re assessed on your true earnings.
Who Qualifies for an NHS Mortgage?
There isn't a specific “NHS mortgage”, but many lenders offer tailored deals for NHS staff, such as:
Key Worker Discounts
Some lenders and housing developers provide incentives for NHS workers, such as cashback schemes, deposit contributions, or discounts on new-build properties
Specialist Understanding
Certain lenders, including HSBC, Nationwide, and Coventry Building Society, are more flexible with NHS staff, considering zero-hour contracts, overtime, and locum work
Whether you’re a nurse, paramedic, doctor, or administrator, our experienced brokers can help you explore your options and maximize your chances of approval.
NHS mortgage discounts
Do NHS Staff Get Mortgage Discounts?
Yes, some lenders and housing developers offer incentives specifically for NHS workers. Examples include:
Barrett Homes
A 5% deposit contribution. NHS 5% Deposit Scheme Terms and Conditions | Barratt London
Tilia Homes
£500 off every £25,000 spent on new-build properties. Keyworker Discount | Our Offers | Tilia Homes
Other Offers
Cashback schemes, free property upgrades, or contributions towards legal fees.
Are There Government Schemes for NHS Workers?
While there isn’t a specific “NHS Help to Buy” scheme, NHS staff can access several government initiatives designed to make homeownership more affordable:
1
First Homes Scheme
Offers a 30%-50% discount on select new-build properties for local key workers earning less than £80,000 (£90,000 in London). New homes for sale - find your perfect new home
2
Shared Ownership
Buy a portion of a home (e.g., 25%-75%) and pay rent on the rest, with the option to increase ownership over time. Shared Ownership Houses for Sale
3
Right to Buy
Allows tenants of council-owned properties to purchase their homes at a discounted rate. Right to Buy: buying your council home: Overview - GOV.UK
Our team can guide you through these schemes and determine which option best suits your needs.
How a Mortgage Broker Can Help NHS Staff
Working with an experienced mortgage broker can save you time and money by:
Navigating Complex Income Structures
From overtime to locum work, we’ll ensure your income is presented correctly to lenders
Providing Tailored Advice
We’ll recommend the best deals and lenders for your unique situation
Streamlining the Process
Let us handle the paperwork and communication, so you can focus on your work
Protection Product Advice
Give advice on protection products available to keep you in your home
Ready to Get Started?
Book your free consultation today and let us help you turn your NHS income into your dream home. Whether it’s your first mortgage, a remortgage, or anything in between, we’re here to make it happen—without the stress or the fees.
FAQ
about
NHS
Mortgages
Do NHS staff get special mortgage rates?
Some lenders offer discounts or incentives for NHS workers, such as cashback schemes or deposit contributions. We can help you identify these deals.
Can I get a mortgage if I’m on a zero-hour contract?
Yes. Some lenders, including HSBC and Nationwide, accept zero-hour contracts for NHS staff.
What if a large portion of my income comes from overtime?
We work with lenders who understand and accept income from overtime, unsociable hours, and enhancements.
Are there government schemes for NHS workers?
While there isn’t an NHS-specific scheme, you can access initiatives like Shared Ownership, First Homes, and Right to Buy.
Can I get a mortgage with bad credit?
Yes, we have experience helping NHS staff with less-than-perfect credit secure a mortgage.