Nurse Mortgage Specialist

Mortgages for Nurses

Nursing income includes unsocial hours pay, band enhancements, and overtime that many lenders overlook. We find lenders who count your full nursing income, whether you are substantive NHS, agency, or both.

Unsocial hours countedAgency income acceptedBand progression recognisedNo upfront fees
Prefer to call? 0844 884 9748 (Mon-Sat 9am-7pm)
Step 1 of 3Type Selection

What type of mortgage do you need?

Select the option that best describes your property financing requirement. Our brokers specialise in complex London and international structures.

Roger Cooper

"Our goal is to understand your unique situation. Select a category and we'll match you with the right product and lender."

— Roger Cooper, Senior Mortgage Adviser

Why nurses need specialist mortgage advice

Nursing pay is more complex than a standard salary. The right broker ensures every element of your income is counted.

Band progression recognised

Nursing career progression through AfC bands is structured and predictable. Some lenders take your trajectory into account, which can increase what you can borrow as a recently promoted nurse.

Unsocial hours pay included

Night shifts, weekend work, and bank holiday pay form a significant part of many nurses' income. We find lenders who include unsocial hours enhancements, not just your basic band salary.

Agency nursing income accepted

Agency nurses often earn more than substantive staff but face lender scepticism about income stability. We find lenders who accept agency nursing income based on a 12-month average or contract rate.

NHS pension understood

Your NHS pension contributions reduce your take-home pay but represent excellent long-term value. We find lenders who assess your income fairly despite higher pension deductions.

Part-time and flexible working

Many nurses work part-time or compressed hours. We ensure lenders correctly assess your income whether you work full-time, part-time, or on a flexible contract.

Specialisation pay recognised

Specialist nurses, advanced practitioners, and nurse consultants often receive additional pay or are on higher bands. We ensure every element of your nursing pay is included in your application.

How it works

From first enquiry to mortgage offer, we handle everything. Most nurse applications complete within 4-6 weeks.

01

Tell us about your nursing role and income

We review your full income picture including band, base salary, unsocial hours pay, overtime, and any agency or bank work. This takes one phone call or online enquiry.

02

We search 90+ lenders for the right deal

We identify lenders who fully recognise nursing pay structures and find the most competitive rates for your circumstances. Nurses often qualify for more than they expect with the right lender.

03

We present your options clearly

We explain the best 3-5 mortgage options in plain English — rate, monthly payment, total cost. We make a clear recommendation based on your situation and priorities.

04

We handle the full application

From submission to mortgage offer, we manage the entire process. We liaise with the lender, chase valuations, and keep you updated at every stage. Most nurse applications complete within 4-6 weeks.

Nurse mortgage FAQs

Do lenders accept unsocial hours pay for nurses?
Some do and some do not. Many high street lenders only count your basic band salary and ignore unsocial hours enhancements, which can represent 20-30% of a nurse's total income. As a specialist broker, we know which lenders include unsocial hours pay when calculating your affordability — which can significantly increase how much you can borrow.
Can I get a mortgage as an agency nurse?
Yes. Agency nurses can get mortgages, though the process requires careful lender selection. Some lenders will accept agency nursing income if you can evidence consistent earnings over 12 months through payslips or a tax return. We know which lenders are most flexible with agency and bank nursing income and how to present your application effectively.
How does my NHS pension affect my mortgage application?
NHS pension contributions reduce your net income, which can affect affordability calculations. However, lenders assess this differently — some use gross income before pension deductions, while others use net. We select lenders whose approach gives you the best outcome. Your NHS pension is also a valuable asset that demonstrates financial stability.
I work part-time as a nurse — can I still get a mortgage?
Yes. Part-time nurses can absolutely get mortgages. Lenders assess your actual contracted hours and pay, not a full-time equivalent. If you also do bank shifts or agency work alongside your part-time contract, we find lenders who will include this additional income to boost your borrowing capacity.
I am a newly qualified nurse — will I be able to get a mortgage?
Yes. Newly qualified nurses can secure mortgages. Nursing is considered a stable profession with clear pay progression through the AfC bands, and many lenders will proceed with your application based on your confirmed band and salary. Even during your preceptorship period, most lenders view nursing as secure employment.
Are there special mortgage deals for nurses?
While there is no government mortgage scheme exclusively for nurses, several lenders offer preferential terms for key workers and NHS employees. Some lenders also have more flexible criteria for healthcare professionals in secure employment. We identify any schemes or lender preferences that could benefit your application as a nurse.

Related services

First Time Buyer Mortgages →

Buying your first home as a nurse — we guide you through the whole process.

Remortgage →

Already have a mortgage? We find competitive remortgage deals that recognise your nursing income.

NHS Worker Mortgages →

Specialist mortgage advice for all NHS staff including doctors, paramedics, and allied health.

Mortgage Protection →

Life cover, critical illness, and income protection arranged alongside your mortgage.

Ready to find your nurse mortgage?

Get your free consultation today. We understand nursing pay structures and find lenders who count your full income.

Get a Free Initial QuoteCall 0844 884 9748

Your home may be repossessed if you do not keep up repayments on your mortgage.

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