What is an NHS mortgage?
An NHS mortgage, also referred to as a Blue Light mortgage or a Key Worker mortgage, is not a separate product but rather a standard mortgage tailored to NHS employees. Some lenders specialise in offering mortgages to NHS staff, and there are specialised brokers, like Shaw-Smyth, who can act as an NHS mortgage broker to assist you in finding the most suitable NHS mortgage for your needs as a key worker.
Do I qualify for an NHS mortgage?
To be eligible for a special mortgage deal with benefits for NHS or key workers, it will vary depending on the lender and the workers position within the NHS. Typically, you must be a full-time employee or have a permanent contract as a clinical staff member within an NHS division, such as:
- GP Surgery
- NHS Direct
- Ambulance Trust
- Primary Care
- NHS Dental Practice
- National Blood Transfusion Service
- Social Care
- Another NHS Trust (215+ trusts)
- Health Protection Agency Care
- Mental Healthcare
