You’d think getting a mortgage as an NHS employee would be easy. After all, you’ve got a secure job with one of the country’s largest employers.
And yet every day we hear from nurses and other medical staff like you who have either been turned down for a mortgage or remortgage by their bank or told they can’t borrow as much as they need in order to get the house they want to buy.
This happens for all sorts of reasons, but very often it is simply because traditional banks don’t understand how some NHS staff work and how they are paid.
For example, maybe you’re a nurse who earns additional money from working overtime or doing extra shifts. Or you might be a consultant whose income is made up of an NHS salary plus fees for private work.
Or perhaps you’re a newly qualified doctor or nurse who doesn’t yet have the three months of payslips that most lenders require.
All these things can work against you when it comes to getting a mortgage because most lenders use highly automated processes and a one-size-fits-all approach to determine whether or not they’ll lend you the money you need to buy a property or carry out your next home improvement project.
Fortunately there is a simple solution. And that’s to get help from us.
Because we’re independent mortgage brokers, we have access to over 110 different lenders – many of whom you won’t find on the High Street – and thousands of different mortgage products, including ones that you won’t find on comparison websites or via other brokers.
The mortgage companies we work with all have different lending criteria but we know which ones offer the most favourable terms for NHS staff. Plus we have strong working relationships with these lenders so we can make sure your application gets looked at by a real person instead of by a computer – which increases your chances of getting a “Yes”.
And, best of all, we won’t charge you anything. Yes, that’s right – our service is 100% free from start to finish.
To find out which of our competitive NHS mortgage deals you qualify for, fill in our one-minute enquiry form and we’ll call you back to run through your options.
Get in touch