Don't forget your initial consultation is free and completely non obligatory. If you'd like make an appointment to speak to our advisor. Please contact us.
If you work for the NHS and need a mortgage, Ask About Mortgages can help. We are the Staff Benefits Mortgage Broker partner for the NHS Trusts across Hampshire. These include the Southampton General Hospital, Royal Hampshire County Hospital and Queen Alexandra. Basingstoke and North Hampshire Hospital and the Royal Hampshire Hospital. Working with NHS staff across the region we are delighted to offer a NO Broker Fee for anyone working within the NHS. See our blog post for more details. We have arranged NHS Mortgages for admin staff, nursing staff, consultants, physicians, general practitioners and senior directors. NHS Mortgages are not a specific group of products they are market place mortgage deals that we are able to use for our NHS clients. As an NHS employee you are likely to have a complex earning structure that needs to be presented correctly to the lender.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Working for the NHS doesn’t always mean that your pay is that straight forward. As an NHS employee it maybe that your payslips don’t reflect your true earnings. Maybe you are earning additional funds from private practice or that a large amount of your income is from overtime or bank pay.
If you work for the NHS and your basic net pay is actually a lot less than your actual earnings, having the right lender for your mortgage is essential. Many doctors and nurses will get enhancements to their wage for working nights and weekends. These enhancements will show on payslips as Saturday EN, Sunday EN and Night Duty EN. In addition there are payments for unsocial working hours these are shown as AFC (agenda for change). Technically, these earnings may not be 100% guaranteed. With many lenders this could mean that as an NHS employee you can’t borrow the amount that you need. Ask About Mortgages have helped many health professionals from the Southampton General Hospital overcome these exact issues and we’re keen to help you too.
Bank Nursing is changing in many NHS Trusts as is the attitude to this income with many lenders. It is especially important that earnings from bank nursing are realised as a valid stream of income. Our advisers specialise in this area and will guide you through how your earnings are best realised with the lenders.
Temporary or short term NHS contracts can be an issue for some lenders and if you are a GP locum you may well have first hand experience of this. Ask About Mortgages have good relationships with a wide range of lenders and know exactly what information they need to secure you a good mortgage deal.
Please make an appointment and we’ll go through everything with you. We’ll work out what you can borrow and what your monthly repayments will be based on the deposit that you have. We’ll give you our very best advice on what to do next to get the most from your NHS earnings.
A thoroughly professional service. Matt knew the market well in respect to our needs. Would thoroughly recommend.
We were really happy with the assistance Matthew gave us. He explained everything thoroughly and made the process as stress free as possible.
My advisor went above and beyond my expectations, leaving me feeling supported. Especially important as a first time buyer. He responded to my questions promptly and where required dealt with external agencies. Superb. Thank you
If you'd like to explore some mortgage options, have any questions about your suitability for a mortgage or would like to know how much you could borrow please make an appointment and we'll be happy chat through things with you. All initial mortgage consultations are free and there's absolutely no obligation to proceed. You can meet us here in Romsey or we can arrange to visit you at your home if that's more convenient.