Work for the NHS, or pick up bank shifts? We help nurses, healthcare assistants, midwives, paramedics, doctors and other health workers buy a home or remortgage. We explain how lenders may look at your pay before you apply.
Book a free 15-minute call or ring us on 01424 444597.
We help people who work at the Conquest Hospital in Hastings, Eastbourne District General Hospital and Bexhill Hospital. These are run by East Sussex Healthcare NHS Trust. We also help staff at the Royal Sussex County Hospital in Brighton.
It's not just hospitals. We also help people who work in GP surgeries, care homes, mental health services and ambulance crews across Sussex.
It depends on the lender. Some lenders may use bank or overtime income if you have a track record. Others may only use your basic contracted pay.
Lenders that do use it may treat it in different ways:
How long a track record you need can also vary from lender to lender. That's why it pays to check before you apply, not after.
Some health workers have no contracted hours and work bank shifts only. This may still work. Some lenders may accept a steady history of bank work as your main income.
A regular pattern helps. Long gaps or a very recent start may make it harder, so we look at your work history with you first.
Speak to a friendly, expert Mortgage Adviser about your unique mortgage needs.
We'll search 1000s of products for the best mortgage and present our advice to you.
Your Adviser will complete your application, liaise with the lender and you, keep you informed until completion.
Shifts can make it hard to take calls. We can talk by phone or video, and you can upload documents securely when it suits you.
You're also welcome at our office at 17 Havelock Road in Hastings, a short walk from the station.
Your adviser is Russell Braiden CeMAP. Russell has been giving mortgage advice since 2011.
We're an independent broker. We'll explain how lenders would treat your pay, in plain English, before you apply.
Buying your first home? See our first-time buyer pages for Hastings, Bexhill and Eastbourne.
Our fee is £599. If you're buying, you pay it once your formal mortgage offer is issued. If you're remortgaging, you pay it on completion. There's no broker fee for a product transfer. Your first call and your quote are free.
Book a free 15-minute call or ring us on 01424 444597.
It may be possible. Some lenders may use bank-only income if you have a steady track record. Each lender sets its own rules, so we'll look at your work history with you first.
Some lenders may use overtime if you have a track record. Some may use all of it, some may use part of it, and some may not use it at all. We'll explain how each option may treat your pay.
There isn't a government mortgage scheme just for NHS staff. Some lenders may offer products for certain professions, which may include some health roles. We'll tell you if any may suit you.
It may be possible. Some lenders may lend once you have a confirmed contract, even if you've only just started. Some lenders may also accept a fixed-term contract or rotation.
Your 15-minute call and your quote are free. Our fee is £599. If you're buying, it's paid once your formal mortgage offer is issued. If you're remortgaging, it's paid on completion. There's no broker fee for a product transfer.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage.
Transparent Mortgage Services is a trading style of Transparent Financial Associates Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 925926). 17 Havelock Road, Hastings, East Sussex TN34 1BP. Telephone 01424 444597. Email info@tms-fs.co.uk.
