From the NHS frontline to private clinics and care homes, healthcare workers are the backbone of society. But when it comes to mortgages, many find themselves facing unnecessary hurdles, especially if you work shifts, get paid weekly, or rely on agency or bank work.
At Mortgage Knight, we specialise in mortgages for healthcare workers, helping those with salaried, shift-based, or flexible income secure the homes they deserve. Whether you’re a nurse, carer, doctor, paramedic, or healthcare assistant, we’ve got you covered.
We provide mortgage solutions for:
Whether you’re a first-time buyer, moving home, or remortgaging, we’re here to help.
Lenders often:
This leaves many healthcare professionals under-offered or rejected, despite consistent income and strong employment demand.
We partner with lenders who:
We package your application to highlight your earning consistency, regardless of how you're paid.
| Income Type | How It’s Treated |
|---|---|
| NHS permanent contract | Based on salary plus regular bonuses/OT |
| NHS bank shifts | Averaged over 3–6 months’ payslips |
| Private agency shifts | Weekly payslips + bank statements accepted |
| Mixed roles (NHS + agency) | Combined for total affordability |
| Umbrella-paid workers | Gross income used, not just net pay |
Status: Claire worked full-time as an NHS nurse and took extra shifts on the bank.
Challenge: Her mortgage lender ignored her bank income.
Solution: We averaged her last 6 months of total payslips and found a lender who includes all NHS income
Outcome: Claire was approved for a £260,000 mortgage using her full income.
Status: Jerome worked in a care home on a zero-hour basis, picking up 30–40 hours a week.
Challenge: His income varied and he didn’t have a permanent contract.
Solution: We showed 12 months of shift history and bank payments to support his affordability.
Outcome: Jerome bought a shared ownership flat with a 5% deposit mortgage.
Status: Sarah was employed part-time by the NHS and took private locum shifts on weekends.
Challenge: Her lender wouldn’t combine the incomes.
Solution: We presented both income streams clearly, backed by payslips and contract letters.
Outcome: She secured a £330,000 mortgage on a competitive fixed rate.
You spend your days helping others. Now it’s time someone helped you. Whether you’re on the ward, in the field, or behind the scenes, Mortgage Knight is here to get you home.
Contact us today for mortgage advice that truly understands how you work.
A: Yes. We’ll use an average of your recent payslips and bank statements to calculate a reliable income.
A: No. Many of our lenders accept zero-hour, agency and bank contracts—if supported with payslip history.
A: Yes. If your income is consistent and you’ve been working for 3–6 months or more, we can help.
A: Mortgages are available from 5–10% deposits, depending on your credit and lender criteria.
A: Absolutely. We often combine multiple jobs or contracts to boost your borrowing power.
