Mortgages for Agency Nurses

Borrow more and reduce the need for a large deposit with a mortgage that takes into account your bank hours, overtime payments, and non-NHS pay

nhs mortgages

70+ Lenders

Borrow Up to 6x Salary

Out of Hours Appointments

Foreign Nationals Accepted

Discounts for NHS Staff

NHS staff are the nation’s heroes. And yet, when it comes to getting a mortgage, a lot of banks don’t treat you like that.

We often hear from doctors, nurses and other NHS staff who have been turned down for a mortgage by their bank or who have been told they can’t borrow the amount they need in order to buy the home they really want.

This can happen for all sorts of reasons.

Some mortgage lenders will only look at your basic salary when deciding how much to lend you and won’t take into account your regular overtime payments and shift allowances.

Others will choose to ignore the additional fees you earn from your private practice – even though these may make up a considerable chunk of your annual income.

And some banks will turn down your mortgage application if you’re newly qualified or if you’re a foreign national without indefinite leave to remain.

But here’s the good news…

At Mortgage Broker Services, we’ve built relationships with lenders who understand how NHS staff work and how you get paid and who therefore will treat you like a hero. 

This means we can help get you a mortgage based on your full income, allowing you to borrow way more than you’d get from some High Street banks – up to 6 times your salary in some cases. Plus, in most cases, you’ll be able to borrow up to 95% of the property value – meaning you won’t need to scrimp and save to build up a massive deposit.

We can even help you get a mortgage if you’ve just started working for the NHS or you’re a foreign national.

To find out more and see which mortgage offers you qualify for, fill in our one-minute enquiry form or call us on 0333 772 1551 to get straight through to a mortgage adviser rather than a call centre.
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Start Your Mortgage Search

Fill in your details below and one of our NHS mortgage experts will contact you to let you know which mortgages you qualify for and help you choose the best deal

Why Choose Us?

Because we specialise in NHS mortgages and have access to exclusive deals for NHS staff, we can offer you access to all sorts of benefits you won't find on the High Street or through other brokers.

Save Money

We’ve got access to 1,000s of different mortgages from over 70 lenders, including exclusive deals that aren’t offered direct to the public. This means we can save you money every month by getting you the right rate for your mortgage. 

This applies whether you are buying a new home or if you want to reduce the costs of staying in your current home by arranging a remortgage.

Some of the lenders we work with will even cover the costs of your valuation and legal fees, saving you even more money.

Borrow More

We can help get you a bigger mortgage by using a lender that will take into account your basic salary plus your overtime payments, shift allowances, bank hours, locum fees, and any other income you earn outside the NHS.

In most cases, we can help you borrow up to 5.5 times your salary. And, in certain situations, as much as 6 times your salary.

This means you can get the home you really want rather than having to make do with second best.

Foreign Nationals Accepted

A lot of people who work for the NHS are foreign nationals who don’t yet have indefinite leave to remain in the UK.

Traditional lenders will often turn you down for a mortgage if you don’t have indefinite leave to remain or are not a UK citizen. 

But through the specialist NHS lenders that we are partnered with, we can get you a mortgage as a foreign national so long as you have a 10% deposit and have been in the UK for at least one year. 

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Out of Hours Appointments

If you go to your local bank you could be waiting weeks to get an appointment and, when you do get one, it could be at a time when you’re not available.

Here at Mortgage Broker Services, we know that most NHS staff don’t work regular Monday to Friday nine to five hours. And so neither do we!

We offer a choice of daytime or evening appointments every day of the week (including Sundays). So you can be sure that, however complicated your shift patterns might be, we’ll be able to find a convenient time to discuss your mortgage requirements and find you the right deal.

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Save Time

We understand that NHS staff are busy people. So the last thing we want to do is waste any of your valuable time. 

That’s why we use systems that allow us to get you a mortgage decision in principle on the same day, without needing to see stacks of paperwork. Our efficient processes and in-depth knowledge of the mortgage market mean that many of our clients get a decision in principle from a lender within 24 hours.

And the fact that we deal with doctors, nurses and other NHS staff all the time means that, unlike some other brokers, we’ll know right from the start which lender is most likely to accept you. So we won’t waste time (or damage your credit score) by submitting applications to multiple lenders in the desperate hope of finding one who’ll say yes.

Huge Choice

We have access to over 70 different mortgage lenders offering a choice of thousands of different products. 

We’ve invested in state-of-the-art software with advanced algorithms to allow us to quickly find the lenders who offer competitive NHS mortgage deals for your particular situation – even if you’ve got credit problems or have multiple income sources.

John AntoniouJohn Antoniou ★★★★★ From start to finish 5 star service. Errol came highly recommended from a good friend of mine who used his services. I found Errol to be very knowledgeable and polite, he updated me regularly, my mortgage application was seamless, from application to mortgage offer in under 7 days, wow, thank youRiza GulsenRiza Gulsen ★★★★★ Erol is next level! He helped us in getting not only a mortgage within a few days but also changing our current flat to a buy-to-let with ease! Would highly recommend him! Thank you so much once againCarol MartinCarol Martin ★★★★★ Excellent!Beverley Jones (UK)Beverley Jones (UK) ★★★★★ As a first time buyer I was really nervous and uncertain around the complicated process of sorting out a the best mortgage options. I did my own research initially using search engines and then contacted Errol to see if he could improve on the options I’d found. He certainly could, and not only that but he was super helpful and fast to respond every time I reached out. As I was buying during a real boom period I asked him for mortgage offers for multiple properties changing price / deposit amounts and shared ownership options, durations and he even managed to get me a mortgage in principle for a very complicated old building, having personally researched the rules around and the different parts of the property and return this to me within 48hrs which was very impressive. He was patient, informative and a calming influence. I don’t think I’d have moved forward to purchase without his support! Highly recommended.Cee JayCee Jay ★★★★★ I approached Mortgage broker Services for help with a buy to let remortgage. Errol was informative, impartial, and knowledgeable in his products and offerings. I received the outcome that I was hoping for and a perfect service from start to finish.Steve LSteve L ★★★★★ Errol has professionally advised me and my family and friends on 6 mortgages over 4 years. 5 star service would strongly recommendIsabella HannahIsabella Hannah ★★★★★ Excellent service!!Errol has been an excellent mortgage broker. He has guided us all the way through the process, even to finding a suitable solicitor. Great communication and fast service. He found us a great rate even at really turbulent time. I’d definitely recommend.George ProductionGeorge Production ★★★★★ Errol was recommended to me by a colleague at work. From start to finish he has dealt with everything with great professionalism. I will be recommending his services to any friends, family and colleagues who are looking to buy a property. Errol is a credit to Mortgage Broker Services ...Komal BKomal B ★★★★★ Errol is my go to man for anything financially related. He is very efficient and gets things moving very quickly. He also tells you how it is so you don't waste time exploring avenues that are not suitable for you.Carol ParillonCarol Parillon ★★★★★ The best broker I have ever worked with. Give you sound advice and really finds the best product for you. He makes the mortgage process so seamless. The only broker I would recommend every day of the week. Huge thanks for your services.Kelsey LaytonKelsey Layton ★★★★★ Errol always provides an outstanding serviceHighly recommended to anyone and everyone will only ever use Errol whenever I need help with my finances.Thanks again for all your help.Jennifer McBrideJennifer McBride ★★★★★ I have used Errol Hall as my broker for several years now. He has dealt with complex staircasing mortgages, as well as re-mortgages and always finds me the best deals on the market. I've also used his recommendations for conveyancing and surveys. He always explains the process clearly and puts me at ease.I've recommended Errol to several friends and colleagues who have been equally happy with his services.Thanks Errol!bobby sokhibobby sokhi ★★★★★ I can’t recommend Errol enough, he’s worked really hard to accommodate. I will and have recommended Errol to my family and friends. Thank youLouiseLouise ★★★★★ js_loader
“Errol turned around 2 remortgages for me within a 4/5 week period and also a remortgage, Life Policy & Landlords insurance for my partner, which was completed within 5 weeks. Outstanding work from Errol. Would highly recommend Errol for your mortgages and mortgage protection.”
Antonio A
Proprietor - Diamond Cut Carpets
"I can't speak highly enough of Errol. Fantastic service from start to finish it was a lengthy and complicated process. He was at the end of phone any time of day, always available to answer questions, often at weekends. He has helped us out a great deal and provided a high quality service. One very happy customer.”
Rob K
Financial Controller - Climb Online
“Errol has helped us to buy our new home. He is very professional, well educated, polite and co-operative person. We wish him a great success in his career.”
Farukh A
Project Manager - UK Power Networks

70+ Lenders

Borrow Up to 6x Salary

24 hr icon 407x407

Out of Hours Appointments

Foreign Nationals Accepted

Discounts for NHS Staff

Start Your Mortgage Search

Fill in your details below and one of our NHS mortgage experts will contact you to let you know which mortgages you qualify for and help you choose the best deal

Approved by the Openwork Partnership on 23/10/2023
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. 
This article is for guidance purposes only and does not constitute advice. Each individual's circumstances differ and following a fact find, we can offer advice tailored to you.

Contact Details

Mortgage Broker Services is a trading name of Thomas Oliver UK LLP which is an appointed representative of The Openwork Partnership, a trading style of Openwork Ltd which is authorised and regulated by the Financial Conduct Authority

The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it

Your property may be repossessed if you do not keep up repayments on your mortgage.

Some buy to let mortgages are not regulated by the Financial Conduct Authority

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Start Your Mortgage Search

Fill in your details below and one of our NHS mortgage experts will contact you to let you know which mortgages you qualify for and help you choose the best deal