We’re an independent mortgage and protection brokerage
based in York with over 23 years experience in the mortgage industry.
Over the years, we've helped countless NHS employees achieve their
homeownership dreams - whether first-time buyers, those remortgaging existing properties, securing investment properties, or assisting NHS family members with their home purchases.
Our service is completely free for all NHS staff, reflecting our commitment to supporting those who dedicate their lives to serving our communities.
We work with more than 120 mortgage lenders, including:
Here’s how we can help you
Mortgage Tree is proud to have established long-standing partnerships with hospitals across England. As someone with a personal connection to the NHS, I deeply value this collaboration and understand the unique challenges healthcare professionals face. Our promise to you is to offer free expert advice tailored to your specific requirements, ensuring that you secure the best products available to NHS professionals like yourself.
Mortgage Schemes
Though there isn't a specific "NHS mortgage” product, NHS workers often qualify for various government initiatives. Many lenders are particularly receptive to NHS applicants, offering greater understanding and flexibility, which significantly enhances your chances of mortgage approval.
As with any mortgage, qualification ultimately depends on meeting lenders' criteria. That's why it's beneficial to connect with a Mortgage Tree advisor experienced in assisting NHS staff before beginning your mortgage search.
Shared Ownership
The shared ownership scheme allows you to purchase between 25% and 75% of your home
instead of the entire property. This results in:
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Significantly lower deposit requirements
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Reduced monthly mortgage payments
On the remaining share of the property, you'll make monthly rental payments, typically to the
local authority.
NHS Key Worker Mortgage Scheme
While the original key worker mortgage scheme for NHS workers was discontinued in 2019, many lenders still offer preferential rates and terms specifically for NHS employees.
As an NHS employee, you have access to several Key Worker mortgage options that can work alongside schemes like the First Homes initiative.
The best mortgage for NHS staff
varies depending on individual circumstances, but typically falls into three main rate types:
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Fixed Rate Mortgages
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Tracker Mortgages
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Variable Rate Products
Why NHS Staff Choose Mortgage Tree
✓ No FEES for NHS employees
✓ Whole of Market, tailored mortgage advice that understands your unique career
✓ Specialist advisers with over 20 years’ experience who truly get healthcare professionals
✓ Borrow up to 5.5 times your salary & get NHS professional mortgage discounts
✓ We're available when you are. Contact us anytime that's convenient for you.
What our clients say...
Tailored Mortgage Solutions
We know every healthcare professional's journey is different. That's why our mortgage solutions are as individual as you are.
Tailored Just for You Whether You're a:
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Junior Doctor starting your medical career
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Experienced Surgeon planning your next move
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Dedicated Nurse looking to plant roots
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Healthcare Administrator building your future
We have a mortgage solution that fits your specific needs.
What Makes Our Approach Different?
We Look Beyond the Paperwork. We simplify the process, offering clear, jargon-free advice that puts you first, because at Mortgage Tree, your success is our success.
We understand that the mortgage we select for you will depend on
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Your unique contract type
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Your specific career stage
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Your individual financial situation
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Your personal goals
Its not just a mortgage it’s a commitment to care
How Much Can You Borrow as a member of the NHS?
Your borrowing capacity follows similar principles to other applicants, based on:
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Your affordability assessment
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Credit rating
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Chosen mortgage type
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Whether you're applying individually or with a partner
Most lenders calculate loan amounts using a multiple of three to five times or even 5.5 times your annual salary.
Example: NHS clinical staff with salaries ranging from £20,000 to £45,000 can typically borrow between £61,608 and £204,579. This wide range accounts for different pay grades and individual credit scores.
How much can you borrow - NHS staff may potentially be able to borrow more dependent on the lender. Up to 5.5 times your salary!
Get in Touch
Every day, NHS professionals like you go above and beyond, caring for our loved ones, saving lives, and keeping our communities healthy. At Mortgage Tree,
we believe you deserve more than just a mortgage - you deserve a true partner in your homeownership journey.