What happens next?
We contact you to arrange a convenient time to speak
We will get in touch to arrange an initial chat by phone or video.
We ask about your NHS role and income
We will ask about your basic salary, shifts, overtime, enhancements, agency or locum work where relevant.
We explain your options clearly
We will help you understand what may be possible before you decide whether to proceed.
Can I get a mortgage as an NHS first time buyer?
Yes, in many cases, NHS staff can absolutely get a mortgage as a first-time buyer. But depending on how you are paid, the process is not always as straightforward as it is for someone on a simple fixed salary.
If your income includes overtime, bank shifts, enhancements or variable hours, not every lender will assess this in the same way. That is why it can help to speak to a mortgage adviser who understands NHS pay and can help you explore the options available.
At Your Mortgage Expert, we help NHS staff understand what may be possible, how lenders may view their income, and what steps to take next.
How NHS income will be assessed for a mortgage
One of the main challenges for NHS first time buyers is that income is not always made up of basic salary alone.
Depending on the lender and your circumstances, mortgage affordability may take account of:
- basic salary
- regular overtime
- bank shifts
- shift enhancements
- unsocial hours payments
- locum or additional NHS income, where relevant
- longer-term earnings pattern
Not all lenders assess NHS income in the same way. Some may take a more flexible approach than others, which is why tailored advice can be valuable when you are trying to understand how much you may be able to borrow.
Low deposit options for NHS first time buyers
Many first time buyers assume they need a very large deposit to buy their first home, but that is not always the case.
Depending on your circumstances, it may be possible to buy with a lower deposit. The options available will depend on things like your income, credit profile, outgoings and the lender’s criteria at the time.
We can help you understand:
- how much deposit you may need
- how your deposit size affects your options
- what may be possible if you have a smaller deposit
- how lender affordability works alongside deposit requirements
If you are unsure whether you are in a position to buy yet, we can help you understand the likely next steps.
Who we help section
Mortgage advice for a range of NHS first time buyer circumstances
We can help NHS staff in a range of roles and income structures, including:
- nurses
- doctors
- allied health professionals
- healthcare assistants
- NHS admin and support staff
- newly qualified NHS professionals
- staff with overtime, bank shifts or variable income
Whether you are employed on a straightforward salary or your income changes from month to month, we can help you review the options available.
Need an Agreement in Principle?
If you are starting to view properties or want to understand what you may be able to borrow, an Agreement in Principle can often be an important first step.
We can help you understand:
- what an Agreement in Principle is
- when you may need one
- what information is usually required
- how it fits into the first-time buyer process
Why choose Your Mortgage Expert for NHS first time buyer mortgages?
Choosing a mortgage adviser is about more than just comparing rates. You want advice that takes account of your income, your goals and the practical realities of buying your first home.
At Your Mortgage Expert, we provide friendly, practical mortgage advice designed to help NHS first time buyers move forward with confidence.
Key reasons to choose us
Impartial, across the market advice
We search across the market to help find a suitable mortgage for your needs and circumstances.
Understanding of NHS income
We understand that NHS pay may include overtime, bank shifts and enhancements that need to be considered carefully.
Help for first-time buyers
We explain the process clearly and support you at every stage.
Phone and video appointments
We can help wherever you are based in the UK.
Friendly, personal support
We take the time to understand your circumstances and explain your options clearly.
How our NHS first time buyer mortgage process works
1. Tell us about your circumstances
We start with a conversation about your job, your income, your deposit and what you are hoping to buy.
2. We review your options
We look at the mortgage options available and explain them clearly, including how lenders may assess your income.
3. We support your application
If you decide to go ahead, we help you through the process from Agreement in Principle to full mortgage application and beyond.
Ready to speak to an NHS first-time buyer mortgage adviser?
Whether you are just starting to explore your options or are ready to move forward, we are here to help.
Book your free initial chat today and speak to a member of the Your Mortgage Expert team.
Call 01722 322683
Frequently Asked Questions
Can I get a mortgage if I work for the NHS?
Will overtime count for an NHS mortgage?
Can bank shifts count as income for a mortgage?
Can I get a mortgage with a low deposit?
Can you help newly qualified NHS staff?
Do you only help local clients?
Can you help me get an Agreement in Principle?
A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.