Specialists in NHS Worker Mortgages

As someone working within the NHS, you will understand how challenging your day-to-day life can be. Every day brings professional and personal challenges that can feel extremely difficult to overcome. Given the intensity of your working day, you want to come home and make sure you can relax and find a bit of peace.

However, as you have probably found when looking at mortgages for NHS workers, life isn’t so simple!

NHS workers are some of the most important people in this country, but you can feel like you get a raw deal when it comes to getting a mortgage. It might come down to your level of experience, your length of time on the job or even how you are contracted. Lenders can be wary about providing NHS worker mortgages.

Our job at The Mortgage Hive is to make sure that you can make this complex and confusing process much easier. We take your financial history and current employment details into account and give you an idea of your lending potential. Then, we can put you in touch with the best lenders – including specialist mortgage providers for medical professionals.

From first time buyer mortgages for NHS workers to specific arrangements for those with challenging financial histories, we are here to simplify what is often a very complex process.

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Regardless of what stage in your NHS career you are at.   The Mortgage Hive are here to offer you impartial mortgage advice tailored for your circumstances.   Speak to one of our expert NHS mortgage advisers today to find out more!

Come home to your own palace with mortgages for NHS workers

We understand that you probably find getting a mortgage challenging. For example, many NHS staff can find that their contract situation makes applying for new home mortgages for NHS workers needlessly challenging. It can also limit how easy it is for you to find an affordable arrangement.

Our job is to help you understand your current financial situation within the context of mortgage lending. If you are trying to buy a new build property alone, you might need help to convince a lender of your credentials. We will do everything we can, though, to make you as appealing as possible.

New-build homes are a great choice, but they can typically be more expensive than, say, council homes that you are trying to buy through a Right to Buy arrangement. If you want to help build the best case for a lender or find a new-build lender who will take you seriously, contact The Mortgage Hive today.

Finding a mortgage as a temporary NHS worker

It is not uncommon for NHS staff to work between various medical facilities. This means that, in the eyes of a lender, you do not have a permanent position. Even if you are doing more hours than a typical permanent contract would provide, a lender might still see your work as ‘unreliable’ in this case.

We can help you build a clear argument to diffuse these concerns and make it easier to land an agreement. By building a clear plan of action, we make applying for mortgages for NHS workers much easier. Of course, if you have a permanent position or are applying for mortgages for NHS workers alongside another person, it is much easier to get a lender to agree.

Regardless of your contract situation – even if you are just in the door – we can give you the help and advice you need to feel completely confident in what comes next.

Evaluating your options for mortgages for NHS workers

You have many options that you can consider, including buy to let mortgages for NHS workers. These specific agreements can be tough to find, but we can put you in touch with lenders who are going to look upon you favourably. From NHS-specific mortgage lenders to those who specialise in buy to let mortgages, we can make sure that you get all of the help and support you need to go for a mortgage that you can feel 100% certain is the right choice for you.

If you would like more help and information on the mortgage types available, please contact the team today.

Government schemes can make mortgages for NHS workers affordable

Another option you might wish to consider is going down the route of using a government-backed mortgage scheme. For example, have you stayed in a council house for a prolonged period? Then you can apply for Right to Buy mortgages for NHS workers. Or, look at Help to Buy programs that can give you some financial support in exchange for equity.

Another option would be a Shared Ownership agreement, where you buy the property alongside the government. This covers a chunk of the cost of your mortgage and can be an ideal choice for many NHS staff who want to buy their first property.

Find the right poor credit mortgages for NHS workers without the stress

We understand that one of the biggest problems you might run into when it comes to mortgage lending is your credit history. As an NHS worker, you might have accrued financial hardship through lifestyle choices or the cost of your education. With that being the case, we can help you to find the best poor credit mortgages for NHS workers.

Contact us today, and we can help you to understand what kind of agreements and arrangements exist so that you can apply for a poor credit mortgage. You might pay more now in terms of rates, but it means that you can work towards home ownership in the long term.

Get the details on the best mortgages for NHS workers

If you are having a hard time locating a mortgage, then we understand your challenge. As an NHS worker, you put so much time and effort into helping others that you might need clarification on the next best step. From those who are just in the door and have yet to receive a wage to those who have been on the NHS payroll for years, you can find needless obstacles blocking you from buying your own home.

Our job is to help you find out what you can borrow so that you can go to lenders that we recommend. These lenders are amenable to your situation and profession and can give you the respect you deserve as you look to buy your own home.

Contact The Mortgage Hive today, and we can put in place a clear plan of action to ensure you can start working towards a mortgage application that fits your needs. For more help and insight, reach out to us today, and one of our staff can get to work on brokering the right deal.