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Mortgage Advice Exchange

NHS Staff Mortgages

Mortgage advice for NHS staff across Scotland.

Clear advice around NHS income

NHS income can include basic pay, enhancements, overtime, bank shifts, allowances, and fixed-term contracts. Different lenders may use different parts of that income when assessing affordability.

  • Nurses, midwives, paramedics, allied health professionals, and support staff.
  • Shift pay, overtime, and bank work review.
  • First-time buyer and home mover guidance.
  • Remortgage checks before your current deal ends.

Ready to compare your options?

Send a few details and Mortgage Advice Exchange can help you understand the next step for your Scottish mortgage plans.

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

There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is £495.