Mortgages for NHS staff

Southampton, Hampshire, National

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.

NHS staff mortgages 

In the UK the NHS hires around 1.5 million people, it is one of the largest employers throughout Britain. Whether you’re a nurse, doctor, surgeon, midwife, health care assistant it is very important that when you get the spare time to consider purchasing a property, you have a broker you can trust to search across the whole market making sure you are getting the best deal possible for your circumstances.


If you are looking for a mortgage designed for NHS employees, you may notice that there are not specific products called an NHS mortgages. Some NHS workers may be counted as key workers for the purposes of housing schemes, particularly if they earn an income below a certain threshold but generally the products available will be the generic products available to the open market.

So why use a broker to find your NHS Mortgage?

At Alexander Southwell Mortgages we are familiar with the different types of pay structures throughout the NHS, the fact that there are lots of different types of additional income such as shift allowance, overtime, training payments in many of these roles we know how to proposition this to our lending partners to maximize the borrowing potential for our clients.

Carers might also take on a similar ‘self-employed’ approach with the work underpinned by a one or a series of ‘zero’ hour contracts. Nurses could work for an agency ‘bank’ nurses. This mixture of income streams and structures can be difficult to decipher and can in some cases give mortgage lenders concern and potential inability to lend, this is where our expertise will help and provide you with the information you need to help secure a mortgage.

it is important that as much research as possible is done based on your circumstances to ensure you are choosing the best option for you. Whether that is a buy-to-let mortgage, joint mortgage or the help to buy scheme, we will research the most suitable products and present & recommend them to yourself.

We understand that although you may want to review your mortgage outgoings, time and costs are prohibitive to this. That is why for all NHS staff we are providing a completely fee free making the process as easy as possible to access great offers on the market.


Specialist Mortgage Advice                                       Fee Free for Key Workers                                Flexible appointments                             

Our services don’t stop there . . .

Alexander Southwell Mortgages understands that the mortgage application is just one aspect of buying or remortgaging a property.

We can advise on Solicitors, help you understand reports you may have received, provide you with background information on the property you are considering buying, and liaise with any estate agent or builder involved.

We can also advise and arrange Life Assurance, Critical Illness or Income Protection, again offering the best possible terms.

We know that the long hours and strange shift patterns can make finding free time difficult to discuss your mortgage needs, so we can accommodate around you. We are happy to help whichever way suits you best. whether that be online by email, telephone appointments or traditional face to face appointments, including late evening appointments to work around your busy work schedule. 


If you work in the NHS and are thinking about applying for a mortgage,  call us for a no-obligation chat on 02380 971117

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