Mortgages for NHS Staff
One of our directors, Louise, has a particularly keen interest in this area as her sister works in the NHS as a midwife. This has led to us helping many NHS workers obtain the mortgages that they require in order to move home, purchase their first home or re-arrange their mortgage to raise funds or simply move to a better interest rate.
We understand the ways in which NHS staff are paid and can help utilise things such a pay scales and pending pay-rises, shift allowances, night duty enhancements and weekend enhancements, along with other additional income sources, to maximise your mortgage potential, giving you best chance of securing the mortgage that you need with the lowest costs and rates.
Another factor is the NHS pension scheme – usually, a salary deduction of between 5% and 14.5%, depending on annual income. This is also viewed in different ways by different lenders and can have a significant impact on the amount that they are prepared to lend.
Without this knowledge, it can sometimes make it difficult to obtain the mortgage that you are looking for, particularly when faced with inexperienced call-center staff or simplistic online calculators.