Many NHS workers are employed on bank contracts, zero-hours arrangements, or move between trusts. Standard lenders often struggle with these income structures. We work with specialists who understand NHS employment and can include your regular bank shifts in your affordability calculation.
Just qualified as a nurse, doctor, or other NHS professional? Some lenders will accept your confirmed employment contract and start date rather than months of payslips, so you can get on the property ladder from day one of your new role.
NHS bank contracts and agency work don't fit neatly into a lender's standard forms, but that doesn't mean you're stuck. Some lenders will factor in a proportion of your regular bank shifts or agency income towards affordability, particularly if you have a consistent track record. We will find the lender whose criteria best match your working pattern.
Many high street lenders won't lend beyond age 70, but specialist lenders will. They will also consider your NHS pension as income. Whether you are approaching retirement or already there, we can find the right option for your circumstances.
When your fixed rate ends, we search the whole market to find you the best remortgage deal. Most lenders offer free valuations and free legal fees through their appointed solicitor for standard remortgages.
Alongside NHS-specific mortgage products, these government schemes may also help you get on the property ladder sooner or with a smaller deposit.
For official NHS employer information:
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