Home » Industry Specific Mortgage Advice » Mortgages for NHS staff
header-bg
Mortgages for Sports Professionals

We work with sportsmen and women throughout the entirety of their careers. Whatever sport you play professionally, whether you are a footballer, athlete, rugby player or professional coach, getting a mortgage can be a little more complicated than you might expect.

What is an NHS mortgage?


Strictly speaking there is no such thing as an ‘NHS mortgage’. You will find that some lenders work better for NHS workers than others as their products and criteria suits the needs of NHS workers far better than others.

Do NHS staff get discounts?


As there are no ‘stand alone’ NHS mortgage products, there won’t be any discounts available by being an NHS worker. However, as NHS workers are often viewed as professionals by lenders, NHS staff may find that they have access to better mortgage products that others in different jobs may not.

How do I find the best mortgage as an NHS worker?


Firstly it is important to consider what your goals are and what ‘best mortgage’ means to you. Many believe that the best mortgage is simply the lowest rate. In reality, there is much more to it than that.


Agreement in Principle with Prospect Tree Mortgages
Book now to get an AIP

When you are looking for a mortgage, consider whether you are looking at the whole market as opposed to a limited selection of products.

Who counts as an NHS worker?


Initially you may think of Doctors, Nurses and surgeons etc. However there are a broad range of roles which would fall under the banner. If you work in any of the following you will likely be eligible:

  • NHS Dental Surgery
  • A GP surgery
  • An NHS trust

What types of mortgage products are available for NHS staff?


When choosing a mortgage product, it is best to find out which best suits your unique financial circumstances. Not only that, but you should also consider your property goals moving forward as this may impact your decision.

Fixed rate mortgages – Fixed rate mortgages are the most common mortgage type. Most people choose fixed rate mortgages because they want stability of payments and like to understand exactly how much they need to budget for each month.

The main drawback of fixed rate mortgages is that they are usually given with an Early Repayment charge as a caveat. This means that you will be charged a previously agreed percentage of the loan as a charge for redeeming the product early.


First time buyer mortgages with Prospect Tree Mortgages
Click above to discuss First time Buyer mortgages

What mortgage schemes are available for NHS staff?


As with specific mortgage products, there aren’t any mortgage schemes specifically earmarked for NHS staff.

However, there are several schemes available which NHS staff can apply for:


New build mortgages with Prospect Tree Mortgages - NHS
Speak to us about buying a new build

How do I get started?


It doesn’t really matter whether you are remortgaging, looking for a property, or just dipping your toe into the water, it is never too soon to start researching the market and collecting information for yourself.

Discount for NHS Staff

We want to help you save money on your mortgage. As an exclusive offer to NHS staff, we are offering a £100 discount on our broker fee. Get in touch and use the code NHS100 or book in below.

Contact an expert today



Home » Industry Specific Mortgage Advice » Mortgages for NHS staff

Get in Touch

0800 8620 840

Prospect Tree Mortgages, Acorn Barn, Wembdon Business Park, Smeeth
Ashford, Kent, TN25 6SZ

Opening Hours

Monday
9:00 am – 5:00 pm
Tuesday
9:00 am – 5:00 pm
Wednesday
9:00 am – 5:00 pm
Thursday
9:00 am – 5:00 pm
Friday
9:00 am – 5:00 pm
Saturday
Closed
Sunday
Closed
Refer a Friend to Prospect Tree Mortgages