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NHS Mortgages

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Pete Mugleston

Author: Pete Mugleston - Mortgage Advisor, MD

Updated: May 19, 2022

The NHS employs around 1.5 million people, from doctors and nurses to dentists and radiographers. Many of them have come to us to find out what their mortgages options are, and that’s why we’ve put this guide together!

So, if you work for the NHS and are interested in applying for an NHS worker mortgage, read on!

For the right advice about mortgages for NHS staff, speak to an expert. The brokers we work with are able to provide you with tailor-made advice for free, with no obligation on your part to go further. Call us on 0808 189 2301 or make an enquiry today to get started.

Can I get an NHS mortgage?

If you meet the eligibility criteria you can apply for a mortgage. You won’t find an exact product called an ‘NHS mortgage’ as it’s not a stand-alone type of mortgage. However, there are specific lenders who specialise in the needs of NHS workers who offer discounts, which is why you might hear the term ‘NHS mortgages’ or ‘NHS mortgage scheme bandied about.

Who exactly are mortgages for NHS staff aimed at?

In order to apply for an NHS mortgage scheme you need to be employed on a permanent contract as ‘clinical staff’ by one of the following NHS areas:

  • GP surgeries
  • Ambulance Trust
  • Primary Care Trusts
  • NHS Direct
  • National Blood Transfusion Service
  • Dental practices that have NHS body status
  • Health Protection Agency
  • Mental Healthcare and Social Care Trusts
  • Other NHS trusts
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Are there any restrictions on an NHS staff mortgage?

Your position within the NHS will affect your eligibility.

All clinical staff are considered for any NHS staff mortgage schemes a lender might run, though if you’re considered ‘medical staff’ such as doctor or dentist, then you won’t be able to apply.

You also aren’t eligible if you work in an admin or domestic position, or if you are a porter.

Am I eligible for the NHS key worker mortgage scheme?

If you’re a member of clinical staff as outlined above, then the government considers you to be a key worker. NHS mortgages for key workers were part of the earlier key worker mortgage schemes.

This scheme is sadly no longer running, however, there are other affordable housing scheme mortgages available for NHS workers that may have lower interest rates, smaller deposits and other discounts, including:

For more information, read our guide on mortgages for key workers.

What type of NHS staff mortgages are available?

As explained at the beginning of the article, there isn’t a specific “NHS mortgage”, but there are lenders and brokers who specialise in mortgages for NHS staff who can help you get the best deal available.

You can still apply for a number of different types of mortgages including buy-to-let and joint mortgages, or you can apply to be part of an affordable housing scheme.

You can discuss the options that are open to you with a mortgage broker who will take your personal circumstances into consideration. Make an enquiry and we’ll put you in contact with one of the experts that we work with.

Do NHS workers get discounts on mortgages?

As an NHS worker, you’ll find that some providers offer NHS workers discounts on mortgages. These may be applicable to current NHS workers and retired NHS employees.

If you opt for an affordable housing scheme mortgage, benefits include buying a property with a smaller deposit and a reduction in loan fees for a fixed period of time, say five years.

How much can I borrow on a mortgage for NHS staff?

As with any mortgage application, you need to show you can afford to pay back the loan for your NHS mortgage.

Your lender will undertake an affordability assessment taking into consideration your credit history, (bad credit doesn’t necessarily mean you won’t be offered a mortgage but it may limit your options), what your monthly outgoings are, your age and your income, and which NHS pay band you are on.

As an example:

The average NHS salary for a clinical worker is £31,787, though depending on your pay grade it may vary from £20,536-£45,462.

For an annual salary of £31,787, the amount you can borrow will vary from £95,361 to £143,041.

The monthly payments on this can vary based on the term length and the interest rate you end up with.

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About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

Read more about Pete

Pete Mugleston

Mortgage Advisor, MD

FCA disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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