NHS Mortgages

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What is an NHS Mortgage? 

An ‘NHS Mortgage’ doesn’t exist, as such, in that there are no mortgage products aimed solely at NHS employees. For certain NHS workers, however, some lenders offer specialised deals and discount rates. 

Am I eligible for the NHS Key Worker Mortgage Scheme?

The NHS Key Worker Mortgage Scheme that was once available, ceased to exist in 2019. To date, there are no direct replacement schemes aimed at key workers, however, some other government home ownership schemes may be beneficial to them.

Do NHS workers get discounts on Mortgages?

There are some lenders who offer health service employees special offers and discounts, however, this is entirely at their discretion. These offers also tend to be quite niche and it is advisable to approach a Mortgage Adviser who specialises in helping NHS staff, for further guidance.

It’s important to note that as well as not being available from every lender, these offers are only aimed at NHS clinical staff. If you carry our a clinical staff role within one of the following trusts, you are likely to be legible:

Are there any restrictions?

As mentioned above, these offers are only available to clinical staff in most cases, so medical, administrative and housekeeping staff are unfortunately not usually eligible.  

How much can NHS staff borrow?

The amount you can borrow will be based on affordability and your credit rating, so whether or not you are a member of NHS staff has no bearing on this decision.

Although lenders use a range of criteria for calculating mortgage loans, you can get a loose idea of how much you can borrow by using a mortgage calculator, many of which are available for free online. Some also help you to gauge expected monthly payments on different loan amounts over a range of terms.

As a general rule, given that the salary range for those in a clinical staff role within the NHS falls between £20-£45k, mortgage offers should be between £61,608 and £204,579. This will of course depend on which mortgage lender you use and where you are within the salary scale.

Speak To An Expert

Our team of experts are experienced in catering for a range of clients, needs and property types. With a vast array of qualifications and accreditation from the financial accreditation agency you can be confident of quality service and sound advice.

What other Mortgage Schemes might benefit NHS staff?

Help to Buy 

Although predominantly intended for first time buyers, this scheme helps you buy a new-build home up to £250k in value (£450 in Greater London), with just 5% deposit. As your deposit is topped by a 20% government equity loan (40% in Greater London) you only need a mortgage for 75% of the property value.

Shared Ownership

The Shared ownership Scheme is a good option for those struggling to buy a property via a standard mortgage. It allows you to buy a share of the property, usually between 25-75%. You only need to take a mortgage for your chosen percentage, meaning the loan amount will be much lower.

The reduction in loan amount results in lower monthly mortgage repayments and less deposit to save for. You should factor in rent payments, however, which are payable on the share of the property you do not own.

Right to Buy

Exclusively for local authority or housing associations tenants, this scheme gives tenants the chance to purchase their home at a substantial discount on the market rate. The lowers the loan amount and therefore the deposit and repayments on your mortgage.


The NewBuy Scheme offers buyers a 95% mortgage on new build properties, meaning that just 5% deposit is required from the applicant. The interest rate used in the NewBuy Scheme equates to around 75% of the interest on a standard mortgage, making repayments more affordable.

How Can A Mortgage Broker Help NHS workers?

Mortgage Brokers who have experience in providing advice to NHS staff will be able to help guide you to those lenders who are able to offer you a discount, should you qualify for one. 

For those who don’t qualify for a discount, the broker is best placed to find you the most suitable mortgage for you based on your individual needs.

If you’re short on time or want to take some of the stress out of the application process, brokers can help with the administrative side of things. They can also save you the hassle of a failed application by only recommending lenders who will accept your personal circumstances.

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