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NHS Mortgages

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Mortgage Availability for NHS Employees

What NHS Mortgages are available?

There are no specific mortgage products that are intended solely for NHS employees, however, there are certain offers available to you, particularly from those lenders who specialise in providing mortgages for NHS staff.

What sort of Mortgage discounts are NHS workers entitled to?

Some lenders offer health service employees additional benefits, these vary from lender to lender. They are offered entirely at the discretion of each lender and based on personal criteria.
Benefits range from reduced mortgage interest rates to discount and in some cases, free arrangement fees. They are predominantly available to NHS clinical staff who work in any of the following organisations:

  • NHS Primary Care and other Care Trusts
  • NHS GP Surgeries
  • Dental practices with NHS status
  • NHS Ambulance Trust
  • The National Blood Transfusion Service
  • The Health Protection Agency
  • Mental Healthcare and Social Care Trusts
  • NHS Direct

Those in other medical, administrative or housekeeping roles do not usually qualify for this type of offer. It’s also worth noting that it’s more likely to be specialist lenders that offer this type of benefit, so they won’t necessarily be found on the high street.

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The Mortgage Company was established over 30 years ago and have a strong reputation for being local mortgage experts.

Information on Home Ownership Schemes

Shared Ownership

Shared ownership schemes allow you to buy a share of the property, usually between 25%-75%, so your loan will only need to cover that percentage. This makes it more achievable for those on a low income to get onto the property ladder.

You should bear in mind that you also have to pay rent on the share of the property that you do not own, this is usually paid to a housing association or local authority. You are usually able to increase your ownership percentage when you can afford to do so.

Right to Buy

This scheme is only available to tenants of local authority or housing association properties and availability varies regionally, so is not UK-wide. Where available, it enables tenants to buy the property that they are renting at a significant reduction on market value.


This scheme offers applicants a 95% NewBuy mortgage, which is charged at around 75% of the interest of a standard residential mortgage. This is also only available on new build properties and applicants have to provide 5% deposit.

How much can NHS staff borrow?

The amount that you can borrow is not generally based on your occupation, so working for the NHS will not affect your loan amount. The lender will base their calculation on your affordability and credit status.

Most lenders base their loan offer on a multiple of between three and five times your annual income. NHS clinical staff salaries range from £20,000 to £45,000, which would result in a mortgage offer of between £61,608 and £204,579 depending on what point you are at on the salary scale, as well as your overall affordability and credit rating.

How can The Mortgage Company Nottingham help NHS staff with their mortgage needs?

At The Mortgage Company Nottingham, our Mortgage Brokers can help you find those lenders who are most sympathetic to the needs of NHS employees, ensuring you obtain the mortgage deal most suited to your individual circumstances.

Whether you’re a first time buyer, moving or remortgaging, we can provide straightforward mortgage advice and reduce the administrative burden involved with your application. We understand that working long shifts reduces your availability and will do everything we can to support your needs.


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