Why NHS mortgages can be different
For some NHS workers, accessing a mortgage can be the same as for all workers. If your income comprises basic hours, it can be more simple to apply for a mortgage.
But for others, it can be more difficult. And, we often hear that NHS workers have been turned down for a mortgage in the past because of the way you are paid.
For example, if you do shift work or overtime, it means that your basic pay doesn’t reflect your true earnings. Likewise, if some of your income comes from your private practice or non NHS work, it can be more complicated to accurately represent your income to high street lenders. Or maybe the majority of your earnings is made up from Locum Work.
We understand this. And we have built strong relationships with lenders who want to lend to hard working NHS workers.
We know how to package your earnings for the lenders so it will be more likely to be accepted.
If you need to speak to us outside of standard office hours, we can be flexible with out appointment times. We know your shift work means that 9-5 may not work for you.
Speak to us today to see how we can help.
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.
How we work
We do things differently at Your Mortgage Expert:
- We have appointments that can fit around your shift work
- We understand how NHS workers are paid
- We will work hard to secure a mortgage that reflects your true earnings
- We carry out detailed research and take care of the paperwork
- Our aim is to save you time, money and stress
Why choose us?
We are not like other brokers. Our small, friendly team has over 80 years of experience in the mortgage and protection industry.
We have over 80 five star reviews on Google and over 90 verified reviews on VouchedFor. And we would love to work hard for you.
To speak to a member of the mortgage advice team about your NHS mortgage ring Your Mortgage Expert now on 01722 322683. Or complete a contact form using the link below.
Meet the team
Our small, friendly team is based in the heart of Wiltshire but we can help you no matter where you live in the UK. We can arrange face to face appointments at a time that suits you if you are near to one of our brokers. Or we can carry out everything over the phone or via video call.
Our team has:
- We understand about how NHS mortgages work
- Experience with placing mortgages when your salary doesn’t reflect your true earnings
- Over 80 years of experience in the mortgage and protection industry
- All members of our customer facing team have mortgage qualifications
- We have over 80 five-star reviews on Google
- Have helped hundreds of buyers get the home of their dreams
We would love to work hard for you.
Dan Harris - Mortgage AdviserDan Harris first started working in mortgages in 2004. Dan has great attention to detail and will do the hard work to ensure you get the best recommendation. Works hard to get your mortgage across the line.
Adam Nanson - Mortgage AdviserAdam Nanson has worked in the Mortgage Industry for over 20 years. Adam has worked with many individuals from within the NHS and has a specialism with contractors and self employed.