NHS Mortgages

Get in touch today to discuss the most suitable mortgage option for you.

NHS Mortgages – are you eligible?

As an NHS worker you could be entitled to special mortgage deals from lenders – as a thank you for the important work you do. If you are planning ahead to buy a home, mortgages for NHS workers could help you save money.

Who is eligible for an NHS Mortgage?

An NHS mortgage doesn’t really exist – the name really describes a standard mortgage where lenders offer discounts or preferential rates to health service employees.

If you can confirm that you work for the NHS, using payslips or ID cards for example, you should be eligible for these special offers. They are usually open to anyone in the NHS and not just clinical staff.

Am I eligible for the NHS Key Worker mortgage scheme?

The key worker mortgage scheme was a government initiative to support public sector workers like NHS staff, teachers and police officers to get on the property ladder. It’s not possible to apply, unfortunately, as the scheme is no longer operating. 

Are there any restrictions on NHS mortgages?

How mortgages for NHS staff work will vary by provider to provider. Some lenders might let you buy a property with a lower deposit than other customers, while others might offer cheaper interest rates. 

You might also find that you can gain discounted or zero fees on a mortgage deal. The amount you can borrow will still depend on your salary, savings and deposit. 

It’s not always easy to compare the various deals and offers that apply to you, so it helps to seek mortgage advice. Brokers like The Mortgage Centre will do the comparisons for you and help you find the best offers as an NHS employee.

What type of NHS mortgages are available?

Special deals are available on all kinds of mortgage. Whether you’re a First Time Buyer, moving home or looking to remortgage, you should find suitable offers. Some lenders also provide NHS discounts on Buy to Let Mortgages.

It’s important to decide what type of mortgage you want to look for. Would you prefer a fixed rate deal or are you happy with a variable rate? Will you need to borrow on interest only or is a repayment mortgage suitable?

How much can NHS staff borrow?

Generally lenders offer around four times your salary, although this can sometimes extend to five times. As with any financial product, make sure that you can easily afford the repayments on your mortgage, because falling behind could put your home at risk.

Speak To An Expert

We’re able to tap into our local knowledge to guide you through your house purchase in your chosen area.

Can NHS staff apply for government homebuying schemes?

Yes, most people can make use of government initiatives.They are targeted at consumers based across England and Wales and should make it easier to buy a home. They include:

Help To Buy – Equity Loan

The Equity Loan scheme makes it possible to buy a new build property with just 5% deposit, with a government loan of up to a further 20%. You take out a mortgage for the rest of the value, and the government loan is interest-free for five years. 

Help To Buy – Shared Ownership 

The Shared Ownership scheme allows you to buy a share of a home and pay rent on the remaining share. You can decide how large your initial share is, between 25% and 75%, and then increase this over time.

Right To Buy 

If you live in a property owned by the council or a Housing Association based in the UK, the Right to Buy scheme could help you buy it with a discount of up to £84,200 – or £122,300 in London. 


NewBuy is a government-backed scheme offering 95% mortgages on certain new build properties. You will need to research eligible homes in your area.

Could a Mortgage Broker help me find an NHS mortgage?

Brokers like The Mortgage Centre are here to make mortgages easier. We start by getting to know you, your personal situation and home-buying goals, and will then seek out mortgages to match. We’ll explore NHS discounts on mortgages and other offers to help you buy a home.

We’ll also look after the application process for you. You can relax and let us take the strain, as The Mortgage Centre and our website is subject to the UK regulatory regime. We are authorised and regulated by the Financial Conduct Authority. Importantly we are qualified to offer you this advice and we put you at the centre of the suggestions we make as we are not tied to one product or lender. 

Why Choose Us?


The Mortgage Centre are not responsible for the services provided by external websites.