If a bank has told you your bank shifts or agency income “don’t count”, that’s a decision about that bank’s own criteria, not a verdict on whether you can get a mortgage. I compare mortgages across 120+ lenders, including some only available through a broker, and we’ll be straight with you about which ones will actually look at your real income.
HTG Mortgages
Mortgages for Nurses and Midwives
Last Updated: August 2026
Featured in The Telegraph • Daily Mail • The Times • Sky News
Nursing and midwifery pay rarely sits still. Between NHS bank shifts, agency work, unsocial hours payments and enhancements, your payslip can look different every month even though your income is genuinely reliable. We work with lenders who understand NHS and agency pay structures properly, so your mortgage is based on what you actually earn, not just your basic band salary.
Lenders who will count NHS bank shifts, agency work and unsocial hours payments, not just basic band pay
Speak directly to Harry, not a call centre, no passing you around
Decisions in principle done with a soft search, not a hard credit check
As featured in…
Meet your Advisor
Harry Goodliffe
- FCA Authorised
- Director & Mortgage Advisor
“I‘m not about confusing jargon or passing you from person to person. From our first chat to the day you get the keys, you’ll deal directly with me. I‘ll keep you updated, answer any burning questions, and do everything I can to make the whole process as stress-free as possible.”
Let’s Talk About Your Mortgage
The nurse and midwife mortgage process
1
Step 1
First Chat
Contact us for a straightforward chat about your NHS trust, band, and how much of your income comes from bank shifts, agency work or overtime.
2
Step 2
Research
We’ll match your payslips against lender criteria to find who counts bank and agency income, and over what period, before anyone runs a hard search.
3
Step 3
Application
Once you’ve chosen a mortgage, we’ll handle the application process, liaising with the lender on your behalf.
4
Step 4
Completion
After approval, we’ll ensure a smooth transition to your new mortgage, keeping you informed at every step.
About
Our approach.
Why choose HTG Mortgages?
NHS and agency pay is built from more than a single band salary, and that trips up plenty of standard mortgage applications. Lenders care about how your income is genuinely structured, not just your basic pay. Here’s what matters most:
Basic band pay is only part of the story.
A lot of lenders assess only your contracted basic salary and ignore unsocial hours enhancements, overtime and bank shifts, which understates what many nurses and midwives actually take home. We work with lenders who look at the fuller picture.
Bank and agency income, properly assessed.
Lenders that do count variable NHS income tend to look at a track record rather than a single payslip, commonly averaging bank shift earnings and agency income over the past 12 to 24 months. We know which lenders will do this and what they need to see.
More than 867,000 nurses, midwives and nursing associates are registered to practise in the UK.
A record high, so this is a well-understood income type among lenders who specialise in it, not an unusual case. Source: Nursing and Midwifery Council, registration data, 31 March 2026.
Sponsored and overseas-trained staff.
Many nurses and midwives working in the NHS came to the UK on a Health and Care Worker or Skilled Worker visa. See our visa and foreign national mortgages page for how time left on a visa and deposit requirements are treated.
How HTG Mortgages Can Help
At HTG Mortgages, we build your application around how NHS and agency pay actually works, not just your basic band salary. As an independent, whole-of-market broker we place nurse and midwife mortgages with lenders who understand bank and agency income properly. Here’s how we can assist you:
- Income built from your real pattern: basic pay, bank shifts, agency work and unsocial hours payments considered together where a lender allows it, not just your contracted salary.
- Lender matching before you apply: we check your payslips and pay history against lender criteria first, so you’re not making a hard-search application somewhere that was always going to turn you down.
- Broker-only access: several of the lenders most comfortable with NHS and agency pay structures aren’t available directly to the public.
- Support with visa cases: where sponsorship is part of the picture, we factor in visa time remaining and deposit requirements from the outset.
Who nurse and midwife mortgages can help
Nurse and midwife mortgages exist because NHS and agency pay rarely fits a standard income form. They could be the right route if:
- You’re an NHS nurse, midwife or nursing associate on a substantive contract with bank shifts on top.
- You work mainly or entirely through NHS bank or an agency.
- A meaningful part of your income comes from unsocial hours, weekend or night enhancements.
- You’re newly qualified and haven’t got a long pay history yet.
- You’re on a Health and Care Worker or Skilled Worker visa.
- You’ve been told your income “doesn’t fit” by a mainstream lender.
Whether you’re NHS-employed, agency-based or a mix of both, the right lender match can make a real difference to what you’re able to borrow. If you work in care outside the NHS, our mortgages for care workers page covers how shift-based and multi-employer pay is assessed in the same way.
Our NHS mortgages page covers the wider picture for people working in healthcare. We work with NHS staff across Hampshire, including Winchester.
Related: Mortgage Broker Winchester.
Why use HTG’s mortgage services?
Available 24/7, so we are always there to help when you need us
We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages
We provide unrivalled customer service, ensuring that you get the care you deserve
Let’s get your mortgage sorted
Written by Harry Goodliffe
Director & Mortgage Adviser, HTG Mortgages · FCA Authorised (1017945)
CeMAP Qualified · Featured in National Press · South England Prestige Awards 2026/27 winner