NHS Mortgages

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NHS Mortgages – Some questions answered

No matter if you are a First Time Buyer or looking to upsize or downsize, you are going to want to know what discounts you can get on your mortgage as an NHS employee. There are a range of mortgage schemes based in the UK that you will be able to access but there is no specific NHS mortgage product out there.

Who is eligible for an NHS mortgage?

An NHS mortgage simply doesn’t exist – there are lenders out there who may offer incentives for NHS staff but there is no specific mortgage product out there. You must be employed by the NHS or NHS Trust organisation to be able to access NHS discounts. This includes:

  • NHS GP Surgeries
  • NHS Direct
  • Ambulance Trust
  • National Blood Transfusion Service.


You must be deemed medical staff or clinical staff in order to be eligible for NHS worker schemes, typically they come alongside lower deposit options or mortgage deals with lower interest rates.

What types of NHS schemes are available?

As mentioned, there are no specific schemes or mortgage products, instead, lenders may offer incentives, discounts and flexibility on your mortgage deal. There are government schemes that can be accessed by NHS staff such as:

  • Help to Buy
  • Shared Ownership
  • Right to Buy
  • New Buy Schemes.


You may have heard of the NHS Key Worker Mortgage scheme but unfortunately, this scheme no longer exists. There are a range of different lenders who cater towards NHS staff in terms of their mortgage products. The Mortgage Brokerage experts can help you as an NHS worker find the right mortgage lender for you and make the most out of your career title.

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

You need to ensure that you can afford to make the repayments on your mortgage otherwise your home may end up being repossessed. Lenders will carry out an affordability check to ensure that your income covers the cost of the mortgage you are applying for. They will also look into your credit history to assess whether you are reliable when it comes to borrowing money.

You need to ensure that your finances are in check before applying for a mortgage. There are options out there for you if you have bad credit or no credit but these lenders can be harder to find.

Typically, you can borrow up to five times your annual income but this will depend on your credit score. It is better to have your finances the best they can be when applying for a mortgage in order to access the lower rates of interest available.

How do I prove my income as a Doctor?

If you are an NHS worker under the PAYE payroll system, then it is easy for lenders to assess your previous earnings. If you are Self-Employed or a locum doctor then you will need to prove your income through SA302 forms and tax overviews.

At least two years’ worth of accounts will then be assessed by your chosen lender to decide whether your income is enough to cover the monthly payments on the mortgage you are applying for.

There are specialist lenders out there if you do not have two years’ worth of accounts, but they can be harder to find. If you aren’t sure when it comes to proving your income you can get in touch with a mortgage expert at The Mortgage Brokerages to discuss your options.

How can a Mortgage Adviser at The Mortgage Brokerage help?

Here at The Mortgage Brokerage we are registered with the Financial Conduct Authority and we also have access to the whole mortgage market; this means we can access lenders that are not available through the high street or banks.

There are a lot of mortgage deals out there and as an NHS staff member you will want to make the most of your position and access any discounts that you can. There are lenders out there who cater towards NHS staff offering lower deposit options, flexibility around your mortgage and lower interest rates on repayments – it is all about knowing where to look.

Get in touch with a mortgage expert at The Mortgage Brokerage today for tailored specific mortgage advice to your current situation and take control of your future home today.

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