NHS Mortgages

If you are employed by the NHS and planning to buy a home or remortgage, some lenders may offer mortgage products specifically tailored to healthcare workers. These can include enhanced affordability assessments, lower deposit requirements, and exclusive benefits—helping you make the most of your income and employment stability.

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Key Benefits

Borrowing up to 5.5 times your income:

available for certain roles such as doctors, subject to affordability and individual lender criteria

Deposits starting from 5%:

available to eligible first-time buyers, subject to credit checks and lender approval

Inclusion of overtime and shift allowances:

where accepted, this may enhance your assessed income

Exclusive mortgage incentives:

such as cashback or free valuations for NHS staff, subject to availability and lender discretion

Greater Job Stability Recognition:

NHS jobs are seen as low risk, leading to easier underwriting and better mortgage approval odds, even in uncertain times.

Eligibility Criteria and Requirements.

Who Can Apply?

NHS staff with permanent, fixed-term, or contracts
A minimum of six months’ continuous employment
Not currently serving a probationary period

What are the Requirements?

Your last three payslips (including details of any overtime or enhancements)
NHS employment contract
NHS identification or payslip bearing the NHS logo
P60 (where available)

Please note: Meeting these criteria does not guarantee mortgage approval. All applications are subject to underwriting and affordability checks by the lender.

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How the Application Process Work?

Applying for a mortgage through our service is straightforward

Book an Appointment

Book an appointment with one of our advisers to discuss your mortgage requirements. Be transparent about your situation so we make the whole journey much smoother for you.

Download MortgagX app

Download MortgagX app, fill in a few key details, select the recommended mortgage product, upload your documents and relax till we get your mortgage sorted.

Completion

Enter your new dream home!

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Processing times vary depending on lender efficiency and individual case complexity.

Important Information And Regulatory Disclosure

Risk Warning

Your property may be repossessed if you do not keep up repayments on your mortgage.

FCA Authorisation

This service is provided by WIS Mortgages, which is authorised and regulated by the Financial Conduct Authority.

Fee & Commission Disclosure

We act as a mortgage intermediary and may receive commission from lenders. A fee may be payable for mortgage advice, which will be disclosed clearly in advance.

Adviser Disclosure

This content is for informational purposes and does not constitute personalised financial advice. Mortgage advice will be provided after assessing your individual circumstances.

Frequently Asked Questions

Find answers to some of the most common questions about mortgages, applications, and our services.

Yes. Lenders will typically consider average locum income over a 12 to 24-month period, subject to eligibility criteria.

In some cases, pension contributions are not deducted from income for affordability purposes. This depends on the lender’s assessment methodology.

Yes. Some lenders accept applicants on Tier 2 visas, provided additional conditions are met, such as length of time remaining on the visa.

Not always. Some lenders accept bank staff, locums, or fixed-term NHS employees, especially if you have a consistent work history.

Yes. Some lenders and brokers offer preferential rates or enhanced affordability specifically for NHS staff.

Lenders understand NHS schedules. If you can show stable earnings over time, shift-based income is usually accepted.

Occasionally. Certain schemes or lenders may offer fee-free products, cashback, or cover valuation/legal costs for NHS applicants.

Usually not until they qualify, but if you have a job offer in place, some lenders may consider your future income.

Not exactly. Roles like doctors, nurses, paramedics, and healthcare assistants are often accepted, but income type and contract terms still influence lending decisions.

Not necessarily. Some lenders offer 90–95% loan-to-value options for NHS staff, meaning you may only need a 5–10% deposit, depending on your credit and income profile.

Want to Talk it Through?

020 3011 1986 help@wismortgages.co.uk

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*Call us from Monday to Friday (9am to 6.30pm) and Saturday (9.30am - 3pm) We accept applications over the phone