NHS and key workers

Mortgages for NHS staff and key workers

NHS pay is structured differently: banding, bank shifts, locum work, enhancements. Some lenders read that structure better than others.

Book a quick 15-minute call Call 01708 629 983

NHS pay is structured differently: banding, bank shifts, locum work, enhancements. Some lenders read that structure better than others. We compare over 65 lenders and put in front of you the ones that assess NHS income fairly for your situation.

If you want the detail on how specific lenders approach NHS applications, our NHS mortgages page goes deeper. Prefer to talk it through? Book a quick 15-minute call or ring us on 01708 629 983.

How lenders treat NHS income

Three parts of an NHS payslip that lenders read differently. How much of each counts towards your borrowing varies by lender.

Banding and increments

Your band and point set your basic pay, and your increment date sets when it rises. Some lenders will consider a documented pay rise that is already agreed; how much of this counts towards your borrowing varies by lender.

NHS income in detail

Bank and locum income

Regular bank shifts and locum work are real income, but lenders differ on the history they want to see and the proportion they will use. How much of this counts towards your borrowing varies by lender.

NHS income in detail

Enhancements and unsocial hours

Nights, weekends and on-call payments can make up a meaningful share of NHS take-home pay. Some lenders average them over months, others use less. How much of this counts towards your borrowing varies by lender.

NHS income in detail

Newly qualified and relocating

A first post after qualifying, or a move between Trusts, often lands close to the point you want to buy. Some lenders will work from a contract that has not started yet; others want payslips first. If a relocation or a new post is part of your plan, tell us early and we will build the timeline around it.

We advise across Essex and east London and by phone or video wherever your Trust is based.

Questions NHS staff ask us

Do NHS staff get special mortgage rates?

No. There is no NHS discount and we do not claim one. The difference is in how lenders assess NHS income: choosing a lender that reads your banding, bank work and enhancements fairly can change how much you can borrow.

Can bank shifts and locum work count towards my mortgage?

Often, yes. Lenders differ on the history they want to see and the proportion of that income they will use. We compare over 65 lenders and shortlist the ones that fit the shape of your income.

I am newly qualified. Do I have to wait for payslips?

Not always. Some lenders will work from a signed contract before your start date. Whether that route fits depends on your wider situation, which is what the fact-find call establishes.

Does a 15-minute call commit me to anything?

No. The call is free, there is no credit check, and there is no obligation to go ahead afterwards.

Reviews

What our clients say

Real reviews from clients across Romford and Essex, verified on Google.

Rated 5.0 out of 5 from 92 Google reviews Read the reviews on Google

    
 
 
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   Paul Maysmith 
 
 
 
 Trustindex verifies that the original source of the review is Google. Always a great experience. Thanks to Mark Potter, Chantel Smith on the mortgage side and Oliver Alan on the insurance. Can't recommend the team highly enough.
  
 
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   Ramona Iuga 
 
 
 
 Trustindex verifies that the original source of the review is Google. 5 stars service,Mark and the team always offer a great service and support all the way,highly recommended.
  
 
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   Fancy Window Cleaners 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service from Mark and the team as always.
  
 
      Posted on Google  
   
   Kelly Sainty 
 
 
 
 Trustindex verifies that the original source of the review is Google. The second time we’ve used major money matters and cannot fault anything! Both Mark and Chantel as helpful as ever
  
 
      Posted on Google  
   
   Amy Phillips 
 
 
 
 Trustindex verifies that the original source of the review is Google. A huge thank you to Billy for all his support throughout my mortgage process. He was knowledgeable, approachable, and always happy to answer my questions, making everything easy to understand and much less stressful. His advice and guidance were invaluable, and I always felt confident I was in good hands. I really appreciate all his help and would highly recommend him to anyone looking for a fantastic mortgage advisor. Thank you, Billy!
  
 
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   Robert Larkey 
 
 
 
 Trustindex verifies that the original source of the review is Google. Top quality service no fuss straightforward advice and actioned quickly once right product decided on
  
 
      Posted on Google  
   
   Montell Chukwu 
 
 
 
 Trustindex verifies that the original source of the review is Google. I was recommended major money matters through a friend and they haven’t been short of fantastic, Oliver Potter who handle my mortgage offered a perfect service, can’t recommend them enough!
  
 
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   Billy Camden 
 
 
 
 Trustindex verifies that the original source of the review is Google. The whole team at Major Money Matters are an absolute dream to work with. Their expertise, speed and friendly approach made what we thought was going to be an arduous process quick and simple. Mark, Oli and Lee were always just a phone call away if we had any questions and provided clear and easy to understand advice/guidance. We would recommend their services to anybody.

Tell us how your NHS income is made up.

Fifteen minutes on the phone, free, with an adviser who reads NHS payslips every week. If we can help, we will tell you exactly how. If we cannot, we will say so.

Book a quick 15-minute call Call 01708 629 983

We aim to return your call as quickly as we can. Weekday evening appointments on request.

Major Money Matters is not affiliated with or endorsed by the NHS.