Borrow more and reduce the need for a large deposit with a mortgage that takes into account your bank hours, overtime payments, and non-NHS pay
However, when it comes to getting a mortgage, a lot of banks don’t treat you like a hero.
Doctors, nurses and other NHS staff are often turned down for a mortgage by their bank or are told they can’t borrow the amount they need in order to buy the home they really want.
So why does this happen?
It’s because some mortgage lenders will only look at your basic salary when deciding how much to lend you and will ignore your bank hours, overtime payments and shift allowances. Others will refuse to take into account income from any second job you might have or the fees you earn as a locum or from the private sector – even though these may make up a big part of your annual income. Some banks will refuse your mortgage application if you’re newly qualified and don’t have enough payslips yet.
But here’s the good news…
Here at Tyrone Mortgages, we work with over 70 lenders, including ones who understand the different ways NHS staff work and who therefore will treat you like a hero.
Thanks to our relationships with these lenders, we can get you a mortgage based on your total income rather than just your basic salary. This means you’ve got the potential to borrow a lot more than you would get from a High Street bank.
Plus, in most cases, you’ll be able to borrow up to 95% of the property value – meaning you won’t need to wait while you save up a huge deposit.
To find out which mortgage offers you qualify for, fill in our one-minute enquiry form or call us on 07751 200074 to speak direct to a mortgage adviser rather than a call centre.
Because we specialise in NHS mortgages and have exclusive deals for people who work for the NHS, we can offer you all sorts of benefits.
We understand that doctors and nurses are busy people. So the last thing we want to do is waste any of your valuable time. That’s why we’ve teamed up with lenders who understand how NHS staff work and who won’t need to see stacks of paperwork from you in order to approve your mortgage.
Plus the fact that we deal with so many doctors, nurses and other NHS staff means we’ll know right from the start which lender is most likely to accept you. So we won’t waste time or damage your credit score by submitting applications to multiple lenders in the hope of finding one who’ll say yes. All of this means that, in most cases, we can get your mortgage pre-approved within just 30 minutes of getting the required documents from you.
We’ve got access to 1,000s of different mortgages from over 70 lenders, including exclusive deals that aren’t offered direct to the public.
This means we can save you money every month by getting you the best available rate for your mortgage or remortgage.
Some of our lenders will even cover the costs of valuations and legal fees, saving you yet more money.
We can get you a bigger mortgage by using a lender that will take into account your basic salary plus your overtime payments, bank hours, shift allowances, locum fees, and any income from outside the NHS.
We can also arrange NHS mortgages of up to 95% loan to value.
This means that if you’re a first-time buyer, you won’t need to have a massive deposit to get onto the property ladder.
Our huge choice of lenders means we’ve got the best possible chance of finding one who will accept your application and lend you the amount you need for your dream home or to help you reduce your monthly outgoings.
This applies to everyone who works for the NHS – whether you’re employed directly or through an agency.
We know how the lenders work and what they look for, and so we can present your application in a way that maximises your chances of being accepted quickly.
Give us a call or complete our quick enquiry form and we’ll call you back.
We don’t have call centres so the adviser who calls will be your point of contact all the way through until your mortgage completes.
Once we've got some basic details we'll compare 1,000s of mortgages to find the one that is the best fit for what you need.
Sit back and relax while we submit your application and all the required paperwork...
With our help you'll have the greatest chance of being accepted for the mortgage you need at the best possible rate - usually within 30 minutes of applying.
Buying your first house is a major milestone, and for first time buyers working in the NHS, there are unique opportunities worth exploring. At Tyrone Mortgages, we’ll help you navigate the mortgage application process and ensure your mortgage requirements are met.
For example, many key workers don’t realise that certain lenders view NHS staff more favourably, particularly if you have a permanent contract and steady income. Depending on your role and salary, you may be able to borrow a bigger mortgage than standard affordability checks allow.
We’ll also discuss schemes like the First Homes Scheme and similar initiatives designed to help NHS workers and key workers access affordable housing options. These schemes can significantly reduce the purchase cost of a new home, helping you take that important step onto the property ladder faster.
Tyrone Mortgages is proud to support our local NHS employees by matching them with the best mortgage products available. Every job, account, and financial situation is different, which is why we offer tailored, professional mortgage services.
We’ll help you determine your eligibility criteria, guide you on what lenders are looking for, and make sure your mortgage application is as strong as it can be. If you’re dealing with debt or trying to understand how your annual salary impacts your options, we’ll break it down clearly.
Our team works closely with both mainstream and specialist lenders, comparing a wide range of mortgage offers to find the deal that fits your needs. We’ll also talk through whether you’re best suited to a fixed or variable mortgage product, and how to structure your loan based on future plans.
If you’re looking for expert advice, real market insight, and a team that genuinely cares about helping NHS staff borrow with confidence—look no further than Tyrone Mortgages.
