Mortgages that count every NHS shift.
Nurses, paramedics, midwives and NHS support staff. Lenders that add back pension contributions and count 100% of unsocial-hours and bank shifts.
NHS mortgages are UK residential mortgages designed for NHS-employed borrowers — nurses, paramedics, midwives, healthcare assistants and doctors. Specialist lenders such as Halifax, Newcastle Building Society, Kensington and Nationwide count 100% of unsocial-hours enhancements, bank / agency shifts and add back NHS pension contributions to gross income, typically increasing affordability by 10–20% vs standard high-street calculations.
The numbers, at a glance.
What lenders want to see.
Who typically qualifies
- Nurses, HCAs, midwives, paramedics on NHS contracts (permanent or fixed-term)
- NHS bank / agency workers with 3–12 months of consistent shifts
- Zero-hours NHS staff with regular pattern of income
- Newly-qualified nurses with signed offer letter
- NHS pension scheme members (contributions added back)
Documents to prepare
- Latest 3 months' NHS payslips (showing enhancements)
- NHS employment contract or offer letter
- Latest 3 months' bank statements
- P60 for the most recent tax year
- NMC / HCPC registration number where applicable
How Elena helps, specifically.
Enhancements at 100%
Unsocial-hours, weekend and night-shift enhancements counted in full.
Bank shifts counted
3–12 months of NHS bank / agency income treated as employment income.
Pension add-back
NHS pension contributions added back to gross — typically £2,500–£6,000 extra affordability.
5% deposit
95% LTV deals via the UK Mortgage Guarantee Scheme with Halifax and Nationwide.
Newly-qualified
Signed offer letter accepted before your first payslip arrives.
Deposit Unlock
Newcastle Building Society Deposit Unlock for new-build NHS-staff purchases.
Top lender matches for this profile
"Counts 100% of NHS enhancements and adds back pension for affordability."
"Dedicated NHS product with 5% deposit and bank-shift income accepted."
"No deposit needed — 12 months of on-time rent qualifies renters."
Questions, answered.
Elena, our AI mortgage expert, can answer it in seconds — or book you a free callback with a human broker.
Do NHS workers get better mortgage rates?
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Are agency and bank NHS shifts counted?
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