Mortgages for NHS Staff

We work with Lenders that understand your NHS pay, to get you the mortgage you deserve, so you can get the property you want.

Access to Over 190 Lenders

Appointments to Suit You

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Mortgages for NHS Staff

If you work in the NHS and you’re trying to get a mortgage, you may already feel that the process isn’t built for people like you.


You earn a good income — but because it includes overtime, enhancements, bank shifts and allowances, many lenders don’t assess it properly. As a result, you may be offered less than you expect, or pushed into deals that don’t feel right.


This can be confusing and frustrating, especially when you’re already busy with work and don’t have time to chase lenders or repeat the same explanations.


Most mortgage systems are designed for people with simple monthly salaries.

NHS pay is different.


When lenders use automated checks, they often ignore or reduce parts of your income simply because they don’t understand how NHS pay works. This can make you appear riskier than you really are.


Choosing the wrong lender can lead to delays, extra questions, or even a declined application — all of which can put a property at risk.


At CP Mortgage Solutions Limited, we specialise in helping NHS staff get mortgages that reflect their real income.


We understand NHS pay structures and work with lenders who are comfortable assessing them properly. This allows us to:

  • Include more of your real income
  • Match you with suitable lenders from the start
  • Structure your application correctly
  • Reduce delays and unnecessary questions


We manage the process for you, keeping things clear and simple, so you don’t have to spend time chasing paperwork or worrying about what happens next.


With the right approach, you can:

  • Increase your chance of approval
  • Access better mortgage options and rates
  • Get decisions more quickly
  • Feel clear about what you can borrow
  • Reduce stress and uncertainty


You’ll also have a trusted adviser who can support you not just now, but for future moves and re-mortgages too.


If you’d like to know what mortgages you qualify for, complete our short enquiry form.

One of our advisers will contact you for a friendly, no-obligation conversation to understand your situation and explain your options clearly.

Take the First Step Today

Fill out our quick enquiry form to find out how we can help.

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Why choose us?

We make complex NHS pay simple — and lenders say yes.


We specialise in NHS payslips, enhancements, bank work, and rotations, so more of your real income is recognised. That means higher borrowing power, fewer delays, and approvals first time — without you having to explain how your pay works.

Secure job. Secure mortgage.


NHS workers are some of the most financially stable borrowers — yet most lenders don’t see it. We position your case correctly so underwriters understand your security, not just your payslip formatting.

Built for NHS life, not 9–5 jobs.


Your mortgage is structured around shift work, overtime, and NHS realities. We handle the admin, choose NHS-friendly lenders, and protect you from rejections — so you get clarity and confidence without chasing paperwork between shifts.

From first home to final move — we’ve got you.


This isn’t a one-off transaction. We monitor your rates, plan around promotions and band changes, and proactively re-mortgage you when it makes sense — so you never overpay and never need to start again.

How It Works

Get In Touch

Complete the brief enquiry form and an adviser will get back to you the same day. They will take a few details to understand your needs and book in a call to go through what you need in more detail.

We'll Find The Right Mortgage For You

You will typically have two appointments, the first to understand more about you and the mortgage you are looking for. Then, within a couple of days, you will have a follow up call to go through our recommendation after comparing 1,000's of mortgage deals with our panel of over 190 Lenders.

We Do The Hard Work

Sit back whilst we submit your application to the Lender, and chase up any important bits on your behalf. Your solicitor/conveyancer will be in touch with any paperwork you need to sign.

Move In To Your Dream Home

Typically, within 3/4 months of starting your conversation with us, you are handed the keys to your dream home. Unfortunately, we can't help you move all your boxes, but out support doesn't end there as we will be in touch through the life of your mortgage at key moments.

Frequently Asked Questions

  • Does overtime or bank work count toward my mortgage income?

    Yes — but not all lenders treat it equally. Some will only use 50% of it, some 100%, and a few will ignore it entirely. A specialist adviser ensures you use lenders who recognise regular enhanced income.

  • I work shifts — can this affect affordability?

    It can, because shift payments don’t always show clearly on payslips. We know which lenders accurately interpret shift allowances and unsociable hour uplift.

  • I’m on a fixed-term or training contract — can I still get a mortgage?

    Absolutely. Many NHS roles are fixed-term or rotational, especially junior doctors and nurses. Specialist lenders accept these as long as there is continuity of employment.

  • I earn income from multiple departments or wards — is that a problem?

    It can be if a lender misreads your payslips. We present your income correctly so it is counted in full, not undervalued.

  • Can locum, agency or bank workers get a mortgage?

    Yes — but many lenders want 6–12 months of consistent income. We place you with lenders who accept variable or flexible NHS income patterns.

  • I keep being told I don’t earn enough — why?

    Often it’s because your additional earnings or enhancements weren’t included. We ensure lenders consider all eligible NHS pay elements.

  • Are there lenders who specialise in NHS applicants?

    Yes — we work with lenders who:  

    ✔ Understand NHS pay bands 

    ✔ Count guaranteed overtime and enhancements 

    ✔ Welcome applications from healthcare workers

  • Why use a mortgage adviser instead of going direct?

    Because most banks miss taxable NHS income, leading to:  

  • Lower borrowing amounts 

  • Avoidable declines 

  • Delays in underwriting  

    • We specialise in NHS cases, ensuring your true earning potential is recognised.