StaffMake Finding Your New NHS Mortgage a Breeze
- Mortgages for doctors, nurses and medical professionals
- Tailored and bespoke NHS mortgage advice
- We are flexible around your shift patterns
- Free initial mortgage review
- Fees payable on Mortgage Offer only
*Typically, we charge a fee of £199 for a residential mortgage and £249 for a personal Buy to Let, however, the actual fee will depend on your circumstances and will not exceed the lower of £1000 or 3% of the loan.
StaffMake Finding Your New NHS Mortgage a Breeze
- Mortgages for doctors, nurses and medical professionals
- Tailored and bespoke NHS mortgage advice
- We are flexible around your shift patterns
- Free initial mortgage review
- Fees payable on Mortgage Offer only
*Typically, we charge a fee of £199 for a residential mortgage and £249 for a personal Buy to Let, however, the actual fee will depend on your circumstances and will not exceed the lower of £1000 or 3% of the loan.
We can help you secure the right NHS mortgage for your circumstances.
During these uncertain times, we would like to thank the NHS for all of your hard work.
All NHS workers will receive 50% off our broker fee.
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NHS Mortgages
Buying a new home can be a stressful process. From choosing the right location to planning for future expenditures, you may face many challenges.
This is often magnified for NHS staff who are seen as “high risk” to many lenders and mortgage brokers due to their irregular income. That’s why we are here to make finding your new mortgage a breeze.
Mortgages for Doctors, Nurses and Other Medical Professionals
Here at Breeze, we understand that your take home salary may fluctuate by a considerable amount each month. This could mean that traditional mortgage lenders may not be the best option for you as they may struggle to understand the complexity of NHS income. That is why using a broker is invaluable when submitting your new mortgage application.
Whether you receive shift allowances, overtime pay, or do locum work, our experts are experienced in presenting your income in the best possible way to lenders. We will help you by gathering all the necessary information and documentation to obtain the right mortgage for your circumstances. We are here for you every step of the way, providing you with tailored mortgage advice to suit your needs.
Flexible Mortgage Brokers
As a key worker, we understand your shift patterns may vary and you may be working long, unsociable hours. Our team of professionals have the flexibility to work around your schedule to make your mortgage journey as effortless as possible for you.
At Breeze, we will guide you through your mortgage journey every step of the way and with access to over 90 different mortgage lenders you can be confident in knowing we will secure the best mortgage for your circumstances.
Locum Workers
As a locum doctor or nurse, you will find yourself doing variable hours, differing shift patterns and potentially have gaps in your employment. You may also be using locum/bank work as a supplement on top of your main job to top up your income. As a general rule, as long as all the jobs you’re doing are deemed sustainable, it’s possible to use this income for mortgage purposes, despite not having a permanent contract.
Typically, lenders who consider locum work will use an average of your income earned from the last 3 months. Some lenders will want to look at an average of income received over the last 12 months. Our experienced advisers can discuss this with you to find you the best possible mortgage for your circumstances.
We can help you secure the right NHS mortgage for your circumstances.
During these uncertain times, we would like to thank the NHS for all of your hard work.
All NHS workers will receive 50% off our broker fee.