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NHS Contract Mortgages
The NHS is one of the UK’s largest employers, with 1.5 million staff members on varying contracts from fixed term to zero hour contracts.
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The NHS staff mortgage is specifically designed for NHS employees including doctors, dentists, nurses, and paramedics. This also includes permanently employed staff including those working in GP surgeries, the ambulance trust, primary care trusts, NHS Direct, the National Blood Transfusion Service, NHS dental practices, and mental and social care trusts.
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At The Mortgage Company, we specialise in obtaining mortgages for NHS staff.
We work directly with the lender, surveyor, estate agents and solicitors to help you with your house buying and remortgage process.
See what our clients say about The Mortgage Company Bristol
NHS Contract Mortgage FAQs
What is an NHS fixed term contract mortgage?
An NHS fixed term contract mortgage is a mortgage criteria designed for NHS employees who are on a fixed term contract.
Can I get a mortgage with a zero hours NHS contract?
Yes, some lenders do offer mortgages to NHS employees on zero hours contracts, but the terms and conditions vary. It may be best to speak with a mortgage broker about your options
Does Nationwide offer mortgages for doctors on NHS contracts?
Yes, Nationwide is one of the many lenders that offer mortgage products to doctors and nurses on NHS contracts.
How does an NHS zero hour contract mortgage work?
An NHS zero hour contract mortgage works by assessing your regular income rather than guaranteed hours. Each lender has different criteria.
Can a first-time buyer on an NHS contract get a mortgage?
Yes, first-time buyers on NHS contracts can get a mortgage. The terms will depend on the individual's contract and income details.
What are the benefits of an NHS fixed term contract mortgage?
The benefits of an NHS fixed term contract mortgage include potentially more flexible terms and understanding of NHS contract structures.
How can I apply for an NHS fixed term contract mortgage?
You can apply for an NHS fixed term contract mortgage through a mortgage broker like The Mortgage Company who understands the specific needs of NHS employees.
What do I need to apply for an NHS fixed term contract mortgage?
You'll need proof of your NHS employment, details of your contract including your employment history, and information about your income and outgoings.
Can I get an NHS fixed term contract mortgage if I'm a nurse?
Yes, nurses on fixed term contracts with the NHS can be considered by mortgage lenders. Criteria can vary for each mortgage lender so it could be worth speaking with a mortgage broker to understand your options.
Can I remortgage my property if I'm on an NHS contract?
Yes, you can remortgage your property if you're on an NHS contract. The terms will depend on your contract type and income.
There may be a fee payable for mortgage advice. The precise amount will depend upon your circumstances, and will be discussed with you before proceeding.
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Your home may be repossessed if you do not keep up repayments on your mortgage.