If you’re a nurse working through an agency, NHS bank, or doing ad hoc shifts, getting a mortgage can feel frustrating. You may have steady income and a long career in healthcare, but most lenders still prefer tidy, permanent contracts and monthly payslips.
If you’re a nurse working through an agency, NHS bank, or doing ad hoc shifts, getting a mortgage can feel frustrating. You may have steady income and a long career in healthcare, but most lenders still prefer tidy, permanent contracts and monthly payslips.
We support:
Many banks:
This leads to lower borrowing amounts or declined applications—despite your income being reliable.
We work with specialist lenders who:
Our job is to present your case in a way that lenders understand—and say yes to.
| Type of Nurse Income | How It’s Treated |
|---|---|
| NHS bank shifts | Averaged over last 3–6 months |
| Private agency shifts | Weekly or fortnightly payslips assessed |
| Umbrella-paid income | Gross income averaged or contract value used |
| Combination of roles | Blended into one affordability figure |
Status: Sarah worked through the NHS bank, averaging 30 hours a week but with weekly pay that changed based on shifts
Challenge: Her high street bank only counted her previous full-time salary.
Solution: We averaged her last 6 months of bank payslips and worked with a lender who supports shift-based healthcare roles. .
Outcome: Sarah secured a £240,000 mortgage with a 10% deposit.
Status: James worked with a private healthcare agency and was paid weekly via an umbrella company.
Challenge: His income looked irregular and included bonus pay and overtime.
Solution: We used 12 weeks of payslips to show a reliable income average and verified employment with the agency.
Outcome: James was approved for a £200,000 mortgage on a fixed rate.
Status: Louise worked 2 days a week at a GP practice and picked up night shifts through a care agency.
Challenge: Her blended income confused traditional lenders.
Solution: We presented both income streams with payslips and bank statements and used a flexible lender.
Outcome: Louise got a £310,000 home loan using both roles for affordability.
As a nurse, you’ve dedicated your life to helping others. At Mortgage Knight, we’re here to help you get the mortgage you deserve—no matter how many hours or shifts it takes.
Speak to a specialist today and let us structure your case for the best chance of success.
A: Yes. We work with lenders who understand shift-based roles and will average your income over 3–6 months (or longer if needed).
A: Not necessarily. Some lenders accept as little as 3–6 months of consistent shifts if you’ve been in the industry longer.
A: That’s fine. We’ll use your gross income from umbrella payslips and explain your setup to the lender.
A: Yes, we work with lenders offering 90–95% LTV mortgages, subject to credit and income.
A: Absolutely. We’ll combine all regular and proven income sources into one affordability calculation.
