Mortgages For NHS Staff

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  • Thousands of Mortgage Products Available
  • See if we can help you find the right deal.

Get in touch for a free, no-obligation chat with an adviser about how we might be able to help. 

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What are Mortgages for NHS Staff?

There are numerous different schemes that can be used by NHS workers. There was previously something known as the government Key Worker Scheme, however, this is no longer operating.

However, there are other schemes available such as:

  • Help to buy,
  • Shared ownership,
  • Right to buy
  • NewBuy schemes.


Under the previous key worker scheme, you needed to be employed by a specific key worker organisation, this includes a range of organisations, including:

  • NHS GP Surgeries
  • NHS Direct
  • Ambulance Trust
  • National Blood Transfusion Service

Furthermore, you typically needed to be categorised as clinical staff to benefit from previous NHS mortgage schemes.

As there isn’t a single type of NHS mortgage, the terms of your specific mortgage deal may vary. While some mortgage schemes enable you to purchase a property with a lower than average deposit, others may offer lower interest rates than standard mortgages.

Finding the Right Mortgage 

Different providers offer varying mortgages that could suit NHS workers, which means they operate on different terms and conditions. In order to find the best mortgage for you, it’s important to identify the most suitable mortgage providers, confirm your eligibility and determine which deals are right for your circumstances.

Even when you’re taking out a mortgage, your ability to borrow will be dependent on your salary and any savings you have. When you take out an mortgage, you may find that there are additional issues to consider. For example, you’ll need to know whether your mortgage or affordability will change if you decide to switch jobs.

Due to the range of mortgages available, it can be beneficial to access expert advice before deciding what type of lending is right for your family. Taking out a mortgage is one of the biggest financial decisions you’ll make, so it’s vital you have the advice, support and information you need.

In addition to this, it isn’t always easy for consumers to access information about the various mortgage schemes. As some of the mortgage schemes aimed at clinical NHS staff have closed, such as the Key Worker scheme. 

By seeking help from an expert adviser, you can learn more about what mortgages are available to you and determine which type of mortgage will enable you to buy your dream home.

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