NHS Mortgages

At Grandi Mortgage Solutions, we’re proud to support our NHS heroes by helping them secure the most suitable mortgage for their circumstances. Whether you’re a nurse, doctor, paramedic, or part of the wider NHS team, we’re here to make the mortgage process simpler and more rewarding.

An NHS mortgage typically refers to mortgage deals that may offer enhanced terms for NHS staff. While there aren't currently specific "NHS mortgage" products available due to shifting market conditions, some lenders do offer ‘professional mortgages’ which NHS employees may qualify for. These can sometimes include lower interest rates, reduced fees, or higher income multiples – potentially up to 5.5 times your salary, depending on the lender.

At Grandi Mortgage Solutions, we stay on top of the market so we can match NHS workers with lenders who understand the value of your profession.

The mortgage process for NHS staff is much the same as it is for anyone else – the key difference is how your employment is verified.

You’ll typically need to provide:

• Your most recent three months’ payslips
   
• Three months of bank statements
   
• A P60 or employment contract (especially if you're a new starter)
   

Every lender is different, and some may ask for additional documents. That’s why working with a mortgage broker like us ensures nothing is missed.

There isn’t a one-size-fits-all “NHS mortgage lender,” which is why speaking with a broker is essential. At Grandi Mortgage Solutions, we offer tailored mortgage advice for NHS employees, reviewing your full financial picture to find the best lender – whether it’s a professional mortgage or a standard product that simply offers better value.

Interest rates are influenced by several factors including:

• The size of your deposit
   
• Your credit profile
   
• The lender’s criteria
   
• The current market – which is still adjusting post-inflation and cost-of-living pressures
   

Most lenders will offer terms up to age 70, with some allowing longer terms depending on your age and circumstances. A longer term can lower your monthly repayments, but we’ll help you weigh up all the pros and cons during your consultation.

Yes, absolutely. Whether both applicants work in the NHS or only one of you does, a joint mortgage is possible. Some professional mortgage products only require one applicant to be in a qualifying profession.

Every case is unique, so we’ll take the time to understand your full situation and recommend the most suitable approach.

Leaving the NHS won’t affect your existing mortgage or trigger any penalties. When it comes time to remortgage, we’ll simply review your current employment status and look at the most competitive deals available at that time – NHS-specific or not.

Yes, many mortgages are portable, which means you may be able to take your existing deal with you when you move – a valuable option given today’s interest rate environment.

If you’re considering relocating or transferring NHS Trusts, speak to us early so we can ensure your mortgage is flexible and future-proof.

Life happens – and if you're finding things financially difficult, the best thing you can do is contact your lender immediately. Many lenders, particularly those signed up to the Mortgage Charter, have options available to support struggling homeowners, such as payment holidays or term extensions.

Don’t suffer in silence. We’re also here to offer guidance and help you navigate your next steps.

Yes, NHS workers are eligible to apply for Buy-to-Let mortgages, just like anyone else. These are typically based on the expected rental income rather than your NHS salary, but your employment status can still help reassure lenders.

There aren’t specific Buy-to-Let deals exclusive to NHS staff, but as your broker, we’ll guide you through the process and help you understand what’s possible based on your deposit and goals.

Having bad credit doesn’t automatically mean you can’t get a mortgage. There are lenders who specialise in adverse credit mortgages, and we work with many of them.

We’ll review your credit file, not just your credit score, and help you understand the options. It may require a larger deposit or come with higher interest rates, but we’ll make sure you’re fully informed before proceeding.

The first step is simple: speak to an experienced mortgage broker who understands the challenges and opportunities that come with working in the NHS.

At Grandi Mortgage Solutions, we take the stress out of the mortgage process – whether it’s your first home, a remortgage, or a Buy-to-Let. Our expert advice is tailored to you, and we’ll search the whole of the market to find the right deal.

Grandi Mortgage Solutions is based near Chinnor and works with NHS employees across Oxfordshire, Buckinghamshire, and the surrounding areas. We know your time is precious – so we’ll handle the paperwork, the lender communications, and everything in between.

Book your free, no-obligation chat today and let us help you get one step closer to your new home.