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    Finance Surgery specialise in finding the right mortgage deal for nurses so they can find their dream property.

    Mortgages For Nurses

      We specialise in helping nurses find the perfect mortgage based on their income and status. Speak to an advisor about finding your mortgage.

      Nurse Mortgage Specialists

        Nurse Mortgage Specialists

        There are several challenges when it comes to applying for a nurse’s mortgage. The nature of working as a nurse means that you may well get a fixed salary, but there may flexibility in your shift patterns as well as overtime. As a result, it can be tricky for mortgage lenders to work out exactly how much you earn.

        When it comes to applying for a mortgage with an income that can change based on the needs of your job, it can be tough. That is why it is always useful to use the services of a mortgage advisor who is able to listen to your needs and advise you based on your very specific set of circumstances. By doing this, you can be sure that you are getting the best financial advice and you are applying for the right mortgage deal for you.

        What Are There Benefits Of A Nurse Mortgage?

        As a nurse in the UK, you are classed as a key worker. While the key worker living programme is no longer in use in the UK, you can still participate in the Help-to-buy scheme, as well as shared ownership, and NewBuy schemes, all of which are popular with professionals who are looking to buy their own home.

        These are all schemes that are designed to help people get onto the property ladder more easily.

        What Mortgages Will be Available To Nurses?

        A mortgage advisor will be well placed to be able to assist you in finding the right type of mortgage for you. There are a wide variety of different lenders out there and some will offer more favourable rates than others.

        Typically, a mortgage provider will base much of their lending decision on your income. To work out how much they can lend you they will want to see at least three month’s worth of payslips.

        The average annual income for a UK nurse is £23,000, although this may rise to those who work in a specialist area. Based on the average, you could look to borrow between roughly £74,000 and £112,000 as a single applicant. The majority of mortgage applications are joint applications, therefore if you are applying for a mortgage with your partner, their income is naturally factored into the borrow amount.

        If you are working as an agency nurse, you might either be self-employed or not have a guaranteed income or contract. However, it is still possible in this situation that you may be able to apply for a mortgage. A mortgage advisor will be able to talk through your situation and help you find suitable options for your lending needs.

        Applying For The Best Nurse Mortgages

        Mortgage lenders vary dramatically in their understanding of the nursing profession. Finding an advisor that knows how the industry works can be very helpful when it comes to applying for your mortgage.

        At The Finance Surgery, we work with lenders that have the right deals for nurses so that you can borrow more and enjoy the benefits of the lowest available interest rates and the lowest possible monthly payments.

        We are happy to help and discuss your needs

        We are great listeners who will never judge your situation

        We provide sound advice and research

        We will support and help you all the way

        Products and Services

        Self Employed Mortgages

        Whether you are a limited company, sold trader or contractor, whatever your circumstances when you work for yourself we can find the right deal for you.

        Buy to Let Mortgages

        Looking for advice on your first buy to let? Are you looking to refinance an existing buy to let, or do you have a portfolio? Whatever your circumstances Finance Surgery will have a solution for you.

        Remortgaging

        Coming to the end of your current product, or simply sat on a variable rate? Finance Surgery will compare the products available with your current lender and then compare those whole of market.

        Bridging Finance

        If you need to raise finance at short notice, bridging finance can be an excellent option. Finance Surgery has access to specialist bespoke products.

        First Time Buyers & Movers

        At Finance Surgery we pride ourselves on taking the stress out of buying your first home or if you are moving house. Contact us for a hassle and stress free experience.

        We guide you through the entire mortgage process…

        At Finance Surgery we want all of our clients to not only feel totally confident in the advice they receive now, but more importantly for their future.

        We are experts in all types of mortgages, protection and general insurance products. We have years of experience dealing with all types of scenarios and take great satisfaction in ensuring that our clients have the right products and solutions for them.

        When the time comes to start looking for a mortgage, the amount of information out there can make it seem like an extremely daunting process. You may have some knowledge of mortgages, but not enough to make an informed decision – or you might not have a clue where to start.

        At Finance Surgery, we aim to make the process as straightforward as possible for you, so you make the right decision to suit your own needs. We understand the complexity of mortgages and try to sift through the jargon to make it easier for first time buyers. Whether you have experience of mortgages or not, we are here to help.

        Speak To a Finance Advisor Today

        By completing this form you are giving consent to be contacted to discuss your mortgage/insurance needs. See Privacy Notice for details on how we hold/store data.

        What is a mortgage?

        If you want to own your home, you will probably need a mortgage. A mortgage is basically a loan to help you pay for your house. With the average cost of a home in the UK currently standing at over £200,000 (https://www.zoopla.co.uk/house-prices/uk/), very few can pay for it outright.

        There are mortgages options available to suit most circumstances, including first time buyers, those who are re-mortgaging and people who are moving up the property ladder. In most cases, you will need to put down a deposit before you can obtain a mortgage.

        Buying your home is essentially the biggest purchase you’ll ever make in your life – and the most important. Although you often end up paying much more back, it can make owning a home affordable.

        Benefits of using a mortgage advisor…

        A mortgage advisor is particularly important for first time buyers, but it is worthwhile seeing one, even if you have had a mortgage before. There are many different types of mortgages out there and an advisor will be able to help you understand which is right for you.

        A mortgage is a huge financial commitment, so you need to be sure you make the right decision. It is always worthwhile seeking the guidance of a specialist who can advise on the different types of mortgages available to you, give advice on how much you can realistically afford to borrow and help you with your application. An independent mortgage advisor may be a good way to get the mortgage you want.

        What to look for in your next mortgage…

        It is important to understand exactly what you will be paying. A mortgage might have low rates, but high fees, so this is something to look out for. You should have a good understanding of how much you will be paying and how you will afford this, before you make any decisions. Consider the tie ins of the mortgage, as you never know whether your situation will change.

        The last thing you want is to end up with extra fees you didn’t realise you were getting. You also need to know whether the rate is fixed or subject to change and which of these you feel most comfortable with. There may also be flexibility, where you can overpay or take mortgage breaks, and this can be valuable in the decision-making process.

        It is important to understand all the facts about the mortgage, before you decide. This is where we can help. Contact us today so we can help to find the right mortgage for you.

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