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Whether you’re a nurse, doctor, paramedic, healthcare assistant or another NHS professional, finding the right mortgage isn’t always straightforward.
Unsociable hours, overtime, bank shifts, allowances and additional income can make your payslip more complicated than a standard salary.
We can help you understand your options and find a mortgage that suits your circumstances.
Book your free consultation today.
We have access to 90+ Lenders
What We do
Getting a mortgage when you work for the NHS
Working for the NHS can mean your income doesn’t fit neatly into a standard 9-to-5 salary.
Depending on your circumstances, your earnings might include:
- Basic salary
- Regular overtime
- Night and weekend enhancements
- Bank shifts
- On-call payments
- Additional contracted hours
- Locum or supplementary income
Different mortgage lenders can assess this income differently.
That’s where getting the right advice can make a difference.
We’ll take the time to understand how you’re paid, explain the options available to you and search for a mortgage suitable for your individual circumstances.
2022
How can we help?
We regularly help NHS employees at different stages of their career and homeownership journey, including:
Buying your first home can feel overwhelming. We'll explain every stage of the process, arrange your Agreement in Principle and help you secure a suitable mortgage.
If your current mortgage deal is ending, we'll compare options from your existing lender alongside mortgages available across the wider market.
Planning your next move? We'll explain whether porting your mortgage or arranging a new mortgage is likely to offer better value.
Whether you're purchasing your first rental property or growing an existing portfolio, we'll help you compare landlord mortgage options.
If you're self-employed, a contractor or company director, we'll explain which lenders may be suitable based on your income structure.
How it Works
Let us help you get your home today.
We'll discuss your income, deposit, credit history and future plans.
We'll tell you how much you may be able to borrow and explain your monthly repayments.
This gives you confidence when viewing properties and making offers.
Once you've found the right property, we'll submit your full mortgage application.
We'll keep you informed throughout the lender's assessment and answer any questions along the way.
Once everything is complete, you'll collect the keys to your new home.
How can we offer all of this for free?
Like all mortgage brokers, we’re paid by lenders when your mortgage completes. The difference between us and other mortgage brokers is that we simply choose not to charge our customers a fee on top of this.
Mortgage advice for NHS professionals
We can help NHS employees at different stages of their career and homeownership journey, including:
Advice based around your salary and, where applicable, additional regular earnings.
Mortgage advice for doctors at different stages of their careers, including those whose income or working arrangements may be more complex.
Help understanding how lenders may assess your basic salary alongside eligible additional earnings.
Straightforward mortgage advice based on your individual income, deposit and circumstances.
You don't need to work in a clinical role. If you work for the NHS and need mortgage advice, talk to us about your options.
Book Your Free Mortgage Consultation
Your job may be with the NHS. Your mortgage is still personal to you.
The right option depends on your income, deposit, credit history, existing commitments and plans for the future.
That’s why we start with a conversation rather than assuming one mortgage or lender is right for every NHS employee.
Ready to find out what your options could be?
NHS Staff Mortgage FAQs
Common Questions From NHS Staff
Some lenders or mortgage products may have eligibility criteria that can benefit certain professionals, while in many cases an NHS employee will use a standard residential mortgage.
The important question is which lenders and products are suitable for your individual circumstances. Your adviser can explain the options available to you.
Potentially. Different lenders have different criteria for overtime and additional earnings.
A lender may consider factors such as how regularly you've received the income and how long you've been earning it. We'll review your circumstances before recommending an appropriate lender.
Potentially.
We'll discuss your circumstances and explain which lenders may still be available.
It may also be worthwhile running off a credit report to remove the risk of us missing anything on the application. We usually recommend clients to run off a PDF report from checkmyfile.com they offer a 7-day free trial, then £14.99 a month - you can cancel online at any time. The report allows you to run off a very detailed report from Experian, Equifax and TransUnion.
As a whole-of-market mortgage broker, we compare mortgages from a wide range of lenders, helping us recommend a mortgage that best suits your needs.
Timescales vary depending on the lender and your circumstances, but we'll keep you updated throughout the process and work to keep everything progressing smoothly.
Mortgage Links provides straightforward, personalised and fee-free mortgage advice to clients across Sheffield and the surrounding areas.
Rather than recommending products from a single bank, we compare mortgages from a wide range of lenders and manage the process from your initial enquiry through to completion.
Our aim is to make arranging your mortgage as simple and stress-free as possible, without charging you a broker fee.
The exact documents required will depend on the lender and your circumstances, but you'll usually need:
Proof of identity (such as a passport or driving licence).
Proof of address (such as a utility bill or bank statement).
Your latest payslips if you're employed.
Recent bank statements.
Your latest P60 (if required).
Evidence of your deposit.
Details of any existing loans, credit cards or financial commitments.
If you're self-employed, lenders will usually ask for your latest tax calculations (SA302s), Tax Year Overviews or company accounts, depending on how your business is structured.
We'll let you know exactly what you'll need before your application is submitted.
Many mortgages are portable, meaning you may be able to transfer your existing mortgage to your new property.
However, being able to port your mortgage doesn't always mean it's the best financial option. Depending on current interest rates, early repayment charges and how much additional borrowing you need, arranging a completely new mortgage may work out better.
We'll compare the cost of porting your mortgage with taking a new mortgage, so you can make an informed decision before you move.
Absolutely.
Helping first-time buyers purchase their first home is one of our most popular services.
No. Mortgage Links provides fee-free mortgage advice, so you will not pay us a broker fee for arranging your mortgage.
We are normally paid a commission by the lender when your mortgage completes. This does not affect the mortgage rate available to you or the advice we provide.
Some lenders may consider income from regular additional or bank shifts, subject to their lending criteria and evidence requirements.
Speak to an adviser about how your particular income is structured.
Yes.
In many cases we can arrange this quickly, allowing you to begin viewing properties with confidence.
Yes.
We offer telephone and video appointments as well as face-to-face meetings where appropriate, making it easy to receive mortgage advice wherever you're based.
Potentially, yes. Eligibility will depend on factors including your employment, income, deposit, credit commitments and the lender's criteria.
We can review your circumstances and explain the options that may be available.
In many cases, an Agreement in Principle (AIP), sometimes called a Decision in Principle (DIP), can be arranged on the same day, often within an hour once we've received the information we need.
Some lenders provide instant decisions, while others may take a little longer depending on your circumstances.
Having an Agreement in Principle before you start viewing properties can strengthen your position when making an offer.
Some lenders may consider regular enhancements or allowances when assessing affordability. The treatment of this income varies between lenders.
Yes. It's often possible to get a mortgage after a divorce or separation, although your options will depend on your income, financial commitments and any ongoing arrangements such as maintenance payments.
If you're buying a new home, removing an ex-partner from an existing mortgage or refinancing following a separation, we'll explain the options available and recommend lenders whose criteria suit your circumstances.
Yes. Mortgage Links is authorised and regulated by the Financial Conduct Authority (FCA). You can verify our authorisation and view our official registration details on the FCA Register here:
There isn't one borrowing limit specifically for NHS employees.
Mortgage affordability depends on factors including your income, deposit, financial commitments, credit profile and the lender's individual affordability assessment.
An adviser can give you a more personalised indication after understanding your circumstances.