NHS Mortgages

Mortgages For NHS Workers

Our mortgage brokers at Harmony Financial Services specialise in mortgages for NHS workers. We can offer mortgage advice and get special mortgages for all NHS workers, including doctors, nurses, and paramedics.

At Harmony Financial Services, we understand how important NHS workers are. So we do everything we can to provide the best NHS mortgages with lower rates, lower deposits, and longer terms.

How Mortgages for NHS Employees Work

If you’re employed permanently by the NHS, whether you are a nurse, doctor, dentist, or receptionist, some lenders will offer mortgages based on your full income, including your overtime, weekend hours, and bonuses. This gives you access to a wider range of products, compared to someone who works in the service sector.

Can I Still Get the Key Worker Mortgage Scheme?

No. The key worker mortgage scheme was a government incentive launched in 2001, but ended in 2019. There are other government home-buying initiatives, such as help-to-buy, shared ownership, and new property schemes available to all home buyers.

Do NHS Workers Get Discount On Mortgages?

Yes. As an NHS worker, you are a huge part of essential infrastructure, so lenders recognise this by providing great rates and options. So although the  Key Worker Mortgage Scheme is no longer an option, you can still get NHS worker-specific mortgages by using a specialist mortgage broker.

Benefits Of Mortgages For NHS Workers

• One-off discounts
• Unique deals
• Lower interest rates
• Lower deposits
• Longer mortgage terms

How Harmony FS Helps with NHS Mortgages

Usually, lenders who offer NHS mortgage discounts are not high street banks and don’t always deal directly with clients. So a mortgage broker, like Harmony Financial Services, opens up your options as we have access to specialist lenders.

We’re all about supporting and celebrating our key workers. If you’ve had to put off buying a home due to the pandemic, we’d be delighted to help you. If you’re thinking of buying in a few months, still get in touch as we can offer great advice to make sure you’re shipshape for a mortgage.

Harmony Financial Services can offer NHS workers:

• Jargon-free advice that doesn’t leave you feeling more confused
• Flexible approach to appointments and communication around your busy schedule
• Access to whole of market including specialist lenders
• Support you through the whole home buying process

Why not get in touch with us today and see how we could help you get an NHS mortgage.