020 8668 6080

Mortgages

Mortgages for NHS Workers

NHS pay often combines basic salary with bank shifts, overtime, unsocial hours payments or agency work, and lenders differ in how much of this they count. PMS Mortgages helps nurses, paramedics, healthcare assistants and other NHS staff across Croydon, Sutton, Surrey and the UK. We do not charge NHS staff a broker fee for mortgage advice.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Income lenders may consider

  • Basic salary on your Agenda for Change band

An open-plan kitchen and living room filled with daylight
Mortgage advice tailored to your property plans, with 90+ lenders compared.

  • Unsocial hours and on-call payments

  • Bank shifts and overtime, often averaged over recent months

  • Agency or second-job income

    • Doctors and senior clinicians may also want to see our page on mortgages for professionals.

    Situations we help with

    Documents to prepare

    • Recent payslips and your latest P60

    • Bank or agency payslips

    • Employment contract

    • Bank statements and proof of deposit

    Some lenders have criteria aimed at key workers. We will check what is available for your role. Approval is always the lender's decision.

    No broker fee for NHS staff

    We do not charge NHS staff a broker fee for mortgage advice. Lender, valuation and legal fees may still apply, and we will explain any costs before you proceed.

    90+ UK LendersHigh-street and specialist lenders compared
    No broker fee for NHS staffFree mortgage advice for NHS staff, with no broker fee to pay
    18 years of experiencePersonal advice tailored to your circumstances
    Frequently asked questions

    Your questions answered

    A family unpacking cardboard boxes on the floor of their new home

    • No. We do not charge NHS staff a broker fee for mortgage advice. Lender, valuation and legal fees may still apply, and we will explain any costs before you proceed.

    • Many lenders will include regular bank or overtime income, often averaged over three to twelve months. Some only count part of it.

    • Some lenders will consider fixed-term contracts, especially with a history of renewals or continuous work in the NHS.

    • Yes. We offer phone and Zoom appointments as well as meetings at our Croydon office.

    How It Works

    How it works

    1. 01

      Initial consultation

      Speak to PMS for an initial consultation to assess your affordability and an indication of the type of borrowing available to you within the mortgage market.

      Affordability assessed across 90+ lenders
    2. 02

      Full consultation

      If you're happy to go ahead, PMS Mortgages will arrange a full consultation by Zoom, phone or face to face. Where appropriate, we can help you obtain an Agreement in Principle. An Agreement in Principle shows how much you may be able to borrow based on the information you provide. It is not a mortgage offer and is subject to full application and credit assessment.

      Indicative borrowing assessed
    3. 03

      We handle the detail

      Once you have found a property we take care of everything else, mortgage application, surveys, solicitors, searches and dealing with any estate agents or developers on your behalf.

      Application, surveys and legal work managed
    4. 04

      Support to completion

      Your dedicated case manager and your consultant will be on hand to guide you through the whole process.

      Supported right through to completion

    Ready to take the first step?

    Your initial consultation is without obligation. Speak with an adviser in Croydon or over Zoom.

    020 8668 6080

    No broker fee for NHS staff: speak to a mortgage adviser

    Call us on 020 8668 6080