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NHS Mortgage Guide - Getting Mortgages for NHS Staff

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How To Get Mortgages For NHS Staff

Whilst there are not specific mortgages for NHS Staff, you may get mortgages that are more suitable.

Some lenders have mortgages for professionals that may have better criteria for NHS staff or let you borrow more. However, when we talk about mortgages for NHS this isn’t generally what we mean.


What is an NHS Mortgage?

When we talk about an NHS mortgage or NHS Mortgages we usually mean a mortgage that is packaged in the best way for NHS Staff. As a worker in the NHS you are most likely aware that your pay can be complicated. There are often lines and lines of different aspects of your pay that some lenders may take and others might not.

As an NHS Mortgage broker it is important that we put your application with the right lender to suit your situation, and package your application for the best chance of success.

Do NHS Staff Get Mortgage Discounts?

NHS staff may have access to specialist mortgage products that are not available to others. This may come in the form of professional mortgage products or specialist key worker mortgages.

However, for the most part NHS staff do not really get any form of discount on their mortgage. Generally when we talk about an NHS mortgage it is down to them offering specialist criteria rather than offering any form of discount to NHS Staff.

Who Counts As NHS Workers?

When we say mortgages for NHS staff we instantly think Doctors, Nurses, Surgeons etc. However, there are lots of occupations that will fall into NHS Workers. Basically if you work in one of the following you will likely be eligible for mortgages for NHS Staff.

  • A GP Surgery
  • An NHS Trust
  • NHS Dental Surgery

What Types Of Mortgages For NHS Staff Are There?

Fixed Rate Mortgages for NHS Staff

These are generally the most common type of mortgage. They offer a fixed rate of interest for a set amount of time. This therefore means that the monthly payment remains the same for that set period of time.

Most of our clients like this as it means that they can plan their outgoings. The main drawback to this type of mortgage would be the early repayment charges usually associated with them. These early repayment charges are often payable if you try to change or redeem the mortgage during the initial period.

Variable Rate NHS Mortgages

This covers lots of types of mortgages for NHS staff. However, they generally have the same basic key points. They will vary over time. This means that your monthly payments may go up or down depending on either the lenders standard variable rate or the Bank of England base rate.

The main benefit of this type of mortgage is that they often do not have any early repayment charges, making them more flexible.

What Schemes Are Available For Mortgages For NHS Staff?


Shared Ownership Scheme

This scheme allows you to part rent and part buy your home. This means that you can get on the property ladder with either a lower deposit or on a lower income. This can be perfect for Newly Qualified NHS Employees, or training NHS staff whose income will likely increase over time.

Key Worker First Homes Scheme

This is the perfect scheme for NHS staff who are practically all considered Key Workers. The first homes scheme offers a minimum 30% discount on an eligible new build property for Key workers and first time buyers. Unfortunately this scheme is not widely available in the UK currently.

Joint Borrower Sole Proprietor NHS Mortgage

This scheme allows you to add another person to your mortgage for affordability whilst not adding them to the ownership of the property. This can be a fantastic way of getting an NHS mortgage.

Deposit Unlock Scheme

The deposit unlock scheme is a fantastic scheme allowing you to put down as little as 5% deposit on eligible New Build properties.

Government Help To buy scheme (No longer open to new applications)

The Government Help To Buy Scheme offers an equity loan up to 20% of the eligible new build property value. This therefore means that you can put down a 5% and get a 75% mortgage and therefore usually secure a better rate of interest. This can be great for First time buyers, and with the natural progression of income for NHS Staff it may make increasing your mortgage to repay the help to buy loan a few years later easier. – Unfortunately this scheme has now closed to new applications.

Can I Get Mortgages For NHS Staff With Bad Credit?

Yes you absolutely can get mortgage for NHS staff with bad credit! We specialise in all NHS mortgages and sometimes you may find yourself in a situation where you have bad credit in the past.

Getting a mortgage with bad credit may be a challenge but is absolutely possible depending on the severity and how long ago it was.

If you are concerned speak to one of our specialist mortgage advisors to find out how we can help.

Can I get an NHS Mortgage if I’m over 50?

Getting a mortgage when you’re over 50 is entirely possible. You can even potentially go for a long term mortgage beyond retirement. This is possible as you are likely paying into a pension as part of your NHS employment.

Having a longer term means that you will likely have lower monthly payments, however, your overall interest paid over the term of the mortgage will probably be higher.

What are the best mortgages for NHS Staff?

The best mortgages for NHS staff are likely standard products open to everyone. Sometimes you may find that a Professional product may let you borrow more. But if you don’t need those higher income multiples it’s likely that a normal high street lender will be best for you.

The main thing is that your application is packaged properly so that the lender understands your job and your income.

How Do I Apply For an NHS Mortgage?

You can apply for an NHS mortgage in a few different ways. You can either give us a call on the number at the top of the page and speak to one of our specialist advisors. Or you can fill in our online form and one of our team will be in touch shortly.

If you’re an NHS worker, then you may be able to get a mortgage with specialised criteria or a discount. In this guide, we’ll explain everything you need to know about mortgages for NHS staff, including who counts as an NHS worker, what types of NHS mortgages are available, and how to apply.

Getting an NHS Staff Mortgage in 2023 – What you need to know!

2022 was a crazy year for mortgages, and rates are going up and down constantly. It’s really important to speak to a specialist mortgage broker early in the process to discuss your options. This will allow you to plan what you will need.

As a general rule for an NHS Mortgage in 2023 you will likely need:

  • Bank Statements
  • Payslips
  • Proof of ID
  • Proof of Deposit
  • there are usually other documents needed, but they will vary depending on the lender.

Does An NHS Staff Mortgage Have Any Restrictions or limitations?

Lenders often have criteria that you need to meet. However for the NHS you may have even more restrictions.

Your best bet is to speak to a specialist NHS Mortgage broker that can help you navigate which lender will be best for your situation.

Is there an alternative to the NHS mortgage scheme?

The NHS mortgage scheme is no longer available. However, the government has announced the First Homes scheme which will offer a 30% discount on an eligible new build property if you are a Key Worker.

This will be perfect for NHS staff looking to get an NHS Mortgage

NHS Mortgage Calculator

You can use our NHS Mortgage calculator to work out how much you may be able to borrow.

However, for a more accurate maximum loan amount you need to speak to a specialist. It usually takes less than 15 minutes over the phone.

How much can you borrow on NHS mortgages?

Generally most lenders offer up to four and a half times your income. This may vary depending on outgoings as well. Some lenders will go up to five times your income for professionals or high earners.

When it comes to how much you can borrow we recommend you speak to a Specialist Mortgage Broker that can tell you more precisely. Mortgage calculators tend to be inaccurate.


NHS Mortgages are a valuable resource for healthcare workers who want to achieve their dream of homeownership. With lower deposit requirements, favorable interest rates, and assistance with legal and valuation fees, these programs can make it easier and more affordable to purchase a home. Whether you’re just starting out in your career or are looking to upgrade to a larger home, an NHS Mortgage may be the right choice for you.

If you’re a healthcare worker, we encourage you to learn more about NHS Mortgages and explore your options today. With the right program and a little bit of research, you can be on your way to homeownership in no time.

Want to know more about how to get Mortgages for NHS Staff? Get started today with one of our specialists.

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