NHS Mortgages

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What NHS Mortgages Are Available?

Who is eligible for an NHS mortgage?

An ‘NHS Mortgage’ does not exist as a specific mortgage product, although, being an NHS employee may give you access to specialised offers from some lenders.

Do NHS workers get discounts on mortgages?

As a health service employee, some lenders will offer you additional benefits which range from reduced interest rates to reduced arrangement fees. These offers are entirely at the discretion of each individual lender and terms and conditions will vary between lenders. 

If you’re a member of NHS clinical staff in any of the following organisations, you are likely to benefit from the offers:

  • NHS GP Surgeries
  • NHS Ambulance Trust
  • NHS Direct
  • The National Blood Transfusion Service
  • Dental practices with NHS status
  • The Health Protection Agency
  • Mental Healthcare and Social Care Trusts
  • NHS Primary Care and other Care Trusts

Unfortunately as medical, administrative, or housekeeping staff, you are not usually eligible.

Even if you are eligible for this type of discount, finding lenders that offer them is not straightforward. They are likely to be specialists, rather than high street lenders and as such, a Mortgage Broker that specialises in assisting NHS workers like One MP are able to help you locate these offers.

Am I eligible for the NHS Key Worker mortgage scheme?

The government key worker mortgage scheme that was once available to NHS workers was unfortunately removed back in 2019.

Whilst there are no direct replacements for this scheme, some of the more widely available home ownership schemes may be beneficial to NHS staff, particularly if you’re struggling to obtain a traditional mortgage.

Information on Home Ownership schemes

Help to Buy

Although the Help to Buy scheme is predominantly aimed at first time buyers, in some cases, those already on the property ladder can access it.

The scheme gives you access to a government loan for up to 20% of the property cost (40% in Greater London) providing that you provide the first 5% yourself. Once your deposit is topped up, your loan to value amount is reduced, making the mortgage, and therefore monthly payments, more affordable. This is available for new build properties up to the value of £250k (£450K in Greater London).

Shared Ownership

Shared ownership schemes are predominantly offered by housing associations. They make it possible to buy a share of the property, usually 25%-75%. You will therefore need to borrow far less, making a mortgage more achievable for those on a low income.  

You will also have to pay rent for the remaining share of the property to the housing association or local authority. This scheme is also set up to allow you to purchase more of your property, as and when you can afford to.

Right to Buy

Exclusively for tenants of a local authority or housing associations, the Right to Buy scheme allows some tenants the opportunity to buy the property that they are renting. This scheme varies regionally, however, so is not available UK-wide. 

This scheme also makes securing a mortgage easier for those on a lower income, as the properties are often offered at a significant reduction on the market value.


The NewBuy scheme offers a 95% NewBuy mortgage at a rate of interest of about 75% of a standard mortgage, due to a government subsidy. Applicants will have to provide the remaining 5% themselves in the form of a deposit.

This option is also only available on new build properties and regional caps on the property value will apply, speak to your mortgage broker for more information.

How much can NHS staff borrow?

Mortgage offers are based on affordability and credit status, rather than job types, and therefore working for the NHS will not affect how much you can borrow.

Each lender will vary in their criteria, but generally, offers are based on a multiple of your annual income.

As an example, the salary range for NHS clinical staff is £20-£45k, and therefore your offer will likely fall between £61,608 and £204,579 depending on your grade within this scale and your other affordability criteria.

How can a Mortgage Broker help?

Whether or not you are eligible for special offers, mortgage advice from an authorised and regulated broker will help you to ensure you’re getting the most suitable mortgage deal for your individual circumstances.

As Mortgage Brokers that specialise in helping NHS staff to get a mortgage and help you find the right deal for your circumstances. We can take much of the administrative burden out of the mortgage application process. Particularly if you are working long shifts and lack time to do it yourself.

Your home may be repossessed if you do not keep up repayments on your mortgage

Why One Mortgages, Protection and Estates?

Call us now on 0113 208 3308

to find out more or arrange a consultation.

Based in Leeds, One Mortgages & Protection Limited offers impartial and unbiased advice to customers UK wide, no customer is too far away to help.