Mortgages For Nurses
Nursing is a hard-working profession that is so fundamental to people’s lives, but it can be difficult to get a mortgage as a nurse. Our mortgage brokers at Harmony Financial Services can help you to get the best mortgages for nurses. We can offer mortgage advice and get special mortgages for all nurses, including NHS nurses, agency nurses, care home nurses, and more.
At Harmony Financial Services, we have access to specialist lenders who will offer competitive mortgages for nurses. So we can help to find you the best mortgage for you.
Do Nurses Get Special Mortgages?
Yes. If you are a nurse, you might find it difficult to get a mortgage from a high street bank that only considers basic salary for lending. However, as a nurse, you can benefit from specialist lenders who will offer mortgages based on your full income, including your overtime, weekend hours, and ban hours.
Can I Get A Mortgage As An Agency Nurse?
Yes, you can. But you might need to use a specialist lender to get your mortgage because most main mortgage providers require a permanent employment contract and a salary. So as an agency nurse or bank nurse, you might find it even more difficult to get a mortgage when you don’t have a permanent contract. Usually, a lender will see you as self-employed, and a self-employed mortgage requires 3 years of accounts. So it can be difficult to get a mortgage from high street banks.
How Can I Get A Mortgage As A Nurse?
There are government home-buying initiatives, such as help-to-buy, that you can benefit from as a nurse. For these initiatives, you can use high street banks. However, if you want the best mortgage deal specifically for nurses, you might need to go through specialist lenders.
Benefits Of Mortgages For Nurses
Specialist lenders who could give you access to:
- One-off discounts
- Unique deals
- Lower interest rates
- Lower deposits
- Longer mortgage terms
Getting You Nurse’s Mortgage with Harmony FS
Not all of these specialist lenders who offer specialist nurse mortgages deal directly with clients. That’s why using a mortgage broker, like Harmony Financial Services, can help to get you the best deal on your mortgage. We have access to a wide range of specialist lenders, and we can support your application to make sure you are getting every benefit from your nurse’s mortgage as possible.
Harmony Financial Services support you with:
- Jargon-free advice
- Flexible approach to communication
- Access to specialist lenders
- Support through the whole process
To see how we can help you with finding a great nurses mortgage deal, contact our specialist mortgage brokers.