NHS Mortgages

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What you should know about NHS Mortgages

What NHS Mortgages are available?

Those working for the NHS have very similar mortgage deals available to regular applicants. The good news is, if you work for the NHS, this is considered a stable income by many lenders. You have access to all of the same types of mortgages that other people do, which means plenty of choice. Some lenders may also offer lower rates for NHS workers. 

What about the NHS Key Worker Mortgage Scheme?

You might have heard of this scheme from coworkers, however, unfortunately the scheme ended in 2019. There are some other home ownership schemes that could help you, however, especially if you’re struggling to get a mortgage.

Information on Home Ownership Schemes

Help to Buy

The Help to Buy scheme gives mortgage applicants a government loan of up to 20% (40% in Greater London) of the cost of a home for you. It has to be a new build home that’s worth less than £250,000 (£450,000 in London), but this scheme can help you increase your deposit, which will make getting a mortgage easier. You’ll need to provide a 5% deposit in order to qualify for the loan.

Shared Ownership

With Shared ownership schemes you can buy a share of the property you want, rather than the whole property. You usually start with between 25%-75%, but have the chance to buy more when you can afford to.
As your mortgage will only need to cover some of the house price, it’s more affordable if you’re on a low income. It will also mean that the repayments on your mortgage will be lower. Keep in mind, though, that you will also need to pay rent to whoever owns the rest of your home, which will normally be the local council or housing authority.

Right to Buy

If you’re already a tenant in local council housing or with a housing association, you may be entitled to buy your property. The best part about this is that you can buy it for much cheaper than it would usually be priced.
Unfortunately this is not a UK-wide scheme, but it’s definitely worth checking whether it applies to you as it’s a great way to get onto the property ladder.


If you are looking at buying a new-build property, you can sometimes get a 95% NewBuy mortgage. You’ll need to find a 5% deposit yourself, but the interest rates are set at about 75% lower than other residential mortgages.

How much can NHS staff borrow?

What your job is and who you work for doesn’t really influence how much you can borrow, so as a member of NHS staff, it really just depends what point of the salary scale you are on. Mortgage lenders use your salary and credit status to decide how much they’re willing to lend you. You can usually get between three and five times your annual income as a mortgage and you can often find a mortgage calculator online to give you a rough idea of what this might be.

How can Vivid Mortgages help NHS staff with their mortgage needs?

At Vivid Mortgages, our Mortgage Brokers can help you find the lenders who are sympathetic to the needs of NHS employees. We can make sure you choose the lender and the deal that is most suited to your personal needs.

It doesn’t matter whether you’re a first time buyer, moving house or remortgaging to save money, our advisers can always give you clear and easy to understand mortgage advice. and reduce the administrative burden involved with your application. We know that NHS workers have long and awkward shifts, and we’ll do everything we can to be there at a time that suits you.

Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.  

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