NHS workers – trust us with your mortgage
NHS workers often tell us that getting a mortgage 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.
Choose us to simplify the mortgage process and maximise your mortgage lending.
How we can help:
- Your mortgage needs are different – you need a broker who understands this
- If your salary doesn’t reflect your true earnings – we know how to package your earnings to borrow more
- You might need to use a specialist lender to get the mortgage you need – we can help with that
- As a busy NHS worker, you need a broker who can fit around your shift work
- Save time, money and hassle with us
Don’t take our word for it, we have over 100 five-star reviews on Google.
If you’d like a face to face appointment to discuss your NHS Mortgage we can arrange this at a time that suits you if you are near to one of our brokers. As your time is precious you might prefer to do everything over the phone or via video call.
We would love to work hard for you.
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Email Dan HarrisDan Harris - Mortgage Adviser
Dan Harris has the experience to help you as he first started working in mortgages in 2004. Dan has great attention to detail and will do the work to ensure you get the best recommendation. Works hard to get your mortgage across the line. -
Email AdamAdam Nanson - Mortgage Adviser
Adam 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.
How we work
We do things differently at Your Mortgage Expert. Our service promise:
- Appointments that can fit around your shift work
- Take time to understand your mortgage intentions and how you are paid
- Work hard to secure a mortgage that reflects your true earnings
- Carry out detailed research and take care of the paperwork
Our aim is to save you time, money and stress.
Why choose us?
You can trust our recommendation because our friendly team has over 80 years of experience.
You will love working with us, just like our other clients who have left us over 100 five star reviews on Google and over 90 verified reviews on VouchedFor. We will:
- Save you time
- Save you money
- Save you hassle
Get an appointment with our mortgage advice team today and see how much you can borrow.
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.
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.
You might find out latest 6 top tips for getting an NHS mortgage article useful.
Speak to Your Mortgage Expert today to see how we can help.