The NHS not only supplies free healthcare to UK citizens, it employs a huge workforce of highly valued individuals.
As an NHS worker, you are a huge part of an essential infrastructure, so it’s nice to know that you can get some great rates and options when it comes to looking for a mortgage. If you’re a first time buyer or looking to remortgage, Harmony FS have you covered when it comes to mortgages for NHS employees.
How Mortgages for NHS Employees Work
If you’re employed permanently by the NHS in a clinical setting, you can find offers from mortgage lenders who can use your full income, such as your overtime, weekend hours etc. This means lenders consider all of your earnings, giving 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?
Sadly not, but we can still find you some great deals with lower interest rates and lenders who are willing to consider smaller deposits. The Key Worker Mortgage Scheme is no long available but it is worth looking at the other government home buying initiatives, such as help-to-buy, shared ownership, and new property schemes.
How Harmony FS Helps with NHS Mortgages
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.
Here’s just some of the reasons why we’re one of Nottingham’s favourite advisers:
- 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.