If you work for the NHS through bank shifts, zero-hour contracts, or flexible rotas, you may already know that traditional mortgage lenders can be difficult to deal with. While your income is reliable and in high demand, banks often don’t recognise how you’re paid.
At Mortgage Knight, we specialise in helping NHS bank staff, including nurses, healthcare assistants, doctors, and support workers, access mortgages that reflect your real earnings, not just outdated lending criteria.
We help secure mortgages for:
Whether you’re a first-time buyer, moving home, or remortgaging, we’re here to help.
Most traditional lenders:
You’re left frustrated, even if you have steady, long-term income from working NHS shifts.
We partner with lenders who:
We package your application clearly and professionally to ensure underwriters see the full value of your work.
| Income Type | How It’s Treated |
|---|---|
| Bank shifts with one NHS Trust | Averaged over recent 3–6 months’ payslips |
| Multiple Trusts or departments | Combined income from all sources |
| Mixed roles (e.g. HCA + admin) | Total income calculated across both |
| Second job income | Counted if consistent over time |
Status: Ellie worked 3–4 shifts per week through her Trust’s staff bank for 10 months.
Challenge: No fixed contract or monthly payslip—her bank only saw inconsistent income.
Solution: We averaged her weekly payslips over 6 months and matched her to a lender who accepts zero-hour healthcare roles.
Outcome: Ellie secured a £230,000 mortgage with a 5% deposit and a competitive fixed rate.
Status: Mark worked as an HCA through the NHS bank and also did occasional agency work.
Challenge: His bank ignored his bank work and declined the application.
Solution: We used his last 12 months of bank payslips plus agency proof to show a consistent income level.
Outcome: Mark was approved for a £190,000 mortgage, using both incomes together.
Status: Dr. Patel worked occasional NHS locum shifts, in addition to private work.
Challenge: Lenders treated his NHS work as "casual" and ignored it.
Solution: We used 12 months of NHS payslips and invoices to show earnings.
Outcome: Dr. Patel secured a £500,000 mortgage with a lender who understands medics.
You’ve dedicated yourself to caring for others. At Mortgage Knight, we’re here to help you secure the home you deserve, with lending that recognises the way you work.
Speak to a specialist today for honest, expert advice and flexible mortgage options built around your NHS income.
A: Yes. Many lenders now accept bank work with at least 3–6 months of shift history, especially if you’ve been in the role or industry longer.
A: No. As long as your income is consistent and provable, you can apply for a mortgage, even with part-time or flexible shifts.
A: No problem. We work with lenders who accept weekly payslips or variable income, provided there’s a reliable pattern.
A: Absolutely. We’ll help you combine income from multiple NHS employers into a single affordability figure
A: Most lenders will accept 5–10% deposits, depending on your credit profile and income history.
