Mortgages for NHS staff

Prospect Tree Mortgages are here to help you find the best possible mortgage rates available to you and your circumstances. Our brokers will work around your busy scedule as NHS staff and support your throughout the entire process.

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.

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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.

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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:

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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.

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

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