Can I use my NHS overtime to get a bigger mortgage?

Yes — several lenders accept 100% of regular overtime, unsociable hours pay, and NHS bank shifts. This can significantly increase your borrowing compared to lenders who only use basic salary.

Do any lenders offer special deals for NHS staff?

Some lenders offer preferential rates or reduced fees for NHS and key workers. We search the whole market to find these deals for you.

I'm a junior doctor on a training contract — can I get a mortgage?

Yes. We work with lenders who understand medical training contracts and will assess your future earning potential, not just your current salary.

Is the advice really free for NHS workers?

Yes, 100%. We never charge a fee for our mortgage advice. We're paid by the lender when your mortgage completes.

NHS & Healthcare Worker Mortgages

Dedicated mortgage advice for NHS staff and healthcare workers. We know which lenders accept your full income — including overtime, unsociable hours, and NHS bank shifts.

Why Do NHS Workers Need Specialist Mortgage Advice?

Many NHS staff earn a significant portion of their income through overtime, unsociable hours pay, and bank shifts. Most high street lenders only count your basic salary, which can significantly reduce how much you can borrow. We know which lenders accept 100% of your additional income.

Lenders who accept overtime, unsociable hours, and NHS bank shifts
Specialist deals for doctors, nurses, paramedics, and midwives
Access to lenders who accept NHS bursaries and training contracts
Help with shared ownership and key worker housing schemes
100% fee-free advice — we never charge you a penny

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

Which Income Do Lenders Accept for NHS Staff?

Different lenders treat NHS income differently. Some accept 100% of overtime and unsociable hours pay, while others only count basic salary. We compare over 90 lenders to find the ones that will use your full income, maximising how much you can borrow.

Mortgages for Doctors and Medical Professionals

Doctors and medical professionals often have complex income structures — locum work, private practice, NHS pension contributions, and training salaries. We work with lenders who understand these arrangements and can assess your full earning potential.

First-Time Buyer Options for NHS Workers

Many NHS workers qualify for key worker housing schemes, shared ownership, and first-time buyer incentives. With housing costs rising, these schemes can be the difference between renting and owning. We'll check every option available to you.