Specialist mortgage advice for nurses, doctors and more!
Our advisers believe that NHS staff should have access to a mortgage service that delivers the best possible outcomes.
Efficient service
Overtime included
Projected income considered
Schemes and support
Whole market mortgage search, guaranteed!
We aim to find you the most suitable and cheapest NHS mortgage deal.
How much can you borrow as an NHS worker?
Find out how much you could borrow as a nurse, doctor or any other NHS staff member. Simply enter your information for an estimate of your borrowing power and the cost of repayments.
Repayment calculator
Contact us to find out how we can help!
Trusted and proven NHS mortgage advice
We’ve already helped scores of NHS workers secure the right mortgage for their individual needs.
Our process involves four key steps that ensure timely and seamless completion.
It’s as easy as 1, 2, 3…4
Contact our experts to discuss your needs and get options swiftly.
Apply for your ideal mortgage with our advice and support.
Once approved, it’s time to search for your moving boxes!
Access the funds to complete your property purchase.
Mortgages for NHS Workers
If you are employed by the NHS, Public Sector Mortgages can offer you valuable advice on mortgages.
We know that care is at the very heart of the work you do and it's right at the centre of our ethos as well. For us, it’s about customer care. And ensuring we help you find exactly the right mortgage amongst the growing number of mortgages out there that are designed with National Health Service employees, who give their all every day, in mind.
We know, from the many NHS clients we have already helped, that finding the right deal can seem difficult, a long way off or even impossible.
It doesn’t need to be that way. There are even some mortgage deals around that can ease the process, meaning that you don’t have to save for a deposit for quite so long. And that’s just one of the advantages.
For example, it may be that your pay isn’t as straightforward as it might be for those in other professions. You may work irregular shifts or work overtime randomly. The chances are that as an NHS worker, your salary or pay structure will be just that bit more complicated and that it will need to be presented accurately to the lender.
When it comes to eligibility, most permanent NHS workers will qualify for help. If you work for one of the NHS Trusts, NHS Direct, an NHS GP surgery or any other NHS health authority, for example, you may find you can successfully qualify.
If you don’t, there is no need to panic; Public Sector Mortgages can still help. Our trusted advisers have helped many doctors and dentists find the mortgage that’s right for them, despite not necessarily being eligible for additional help, because of their higher incomes.
Naturally, you will need to satisfy general mortgage application eligibility criteria.
For more information on whether you qualify, give us a call. We’ll happily throw more light on the level of help available.
Mortgages that give something back to our NHS heroes
So, why choose Public Sector Mortgages as an NHS worker?
Our advisers are exceptionally well-qualified in finding the right mortgage deals for the right people. Not only do we care, but we are also careful. Our ethos is reflected in the service that we provide. We understand what it means to you to secure your mortgage and we understand what is required by lenders. We keep up-to-date with changes and new products and when submitting your application to the lender, we alleviate any stress by ensuring to present your information in the manner required.
We care that you care. And we are dedicated to making the mortgage application process as stress-free as possible. Enjoyable, even.
So, why not get in touch today? Get the right NHS mortgage with Public Sector Mortgages.
Looking for an expert on mortgages? Great news for NHS workers.
FAQs
Do NHS workers get better mortgages?
Some mortgage providers offer discounts and deals exclusively to key workers, including those employed within the NHS. These mortgages are sometimes marketed as NHS mortgages, nurse mortgages or sometimes doctor mortgages.
What is an NHS mortgage?
An NHS mortgage is usually a standard type of mortgage that has an extra benefit to someone who works in the NHS. The benefit could be a discount on the interest rate, or it could be something else like cashback to help with moving costs.
Do all NHS staff qualify?
It’s not just nurses and doctors that qualify for many of the NHS mortgage deals. Many lenders accept all NHS workers to get discounted rates or other benefits. This includes administration staff and other valued NHS workers. Contact us for the details!
Can I get an NHS mortgage as a new nurse or doctor?
Yes, we have a track record of helping new nurses and doctors get a better mortgage deal. We can help you overcome lacking payslips, contractual hurdles and any other unorthodox situation. We’ve probably seen it all before.
Can NHS workers borrow based on projected income?
Sometimes lenders will allow NHS workers to borrow more based on their projected income in the future. This is especially the case with some doctors and surgeons. We can help you identify the lenders willing to do this, so you can buy your dream home earlier.
Blogs
Read our latest blogs for free help and information on searching for a mortgage as a public sector worker.
Don’t miss important tips! 
Great service! Laz and Lynne are very helpful and friendly! Responsive and sort out urgent request very well! Will recommend to others for sure!
X Yan
I can't speak highly enough of Justine - She helped me and my partner get our dream house & sorted out a great deal for our home insurance as well.
Jake Collier
3rd time using money sprite for remortgage always found the best deal
Amanda Cole
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