NHS staff — including bank workers and shift-based employees — can access flexible mortgage deals. Tickford Mortgages helps healthcare workers across Newport Pagnell and Milton Keynes secure the right mortgage. 

At Tickford Mortgages, we’re proud to support the people who support our communities. If you work for the NHS — whether you’re a nurse, doctor, paramedic, healthcare assistant, mental health specialist, or administrative staff — we’re here to help you navigate the mortgage process with confidence.

We understand that shift patterns, overtime, enhancements, and even bank shifts can make NHS payslips look more complex than average. That’s why it’s so important to have an experienced mortgage adviser on your side who knows how to present your income properly to lenders.

Whether you’re buying your first home, moving up the property ladder, or remortgaging to a better deal, we’ll guide you every step of the way.

There isn’t a single mortgage product specifically for NHS employees — but many lenders offer preferential terms for people working in healthcare. These can include:

• 💷 Lower deposit requirements than standard products
   
• 🏦 More flexible lending criteria, particularly around variable income
   
• 📈 Enhanced affordability assessments, taking into account overtime and enhancements
   
• 🏡 Access to key worker schemes, shared ownership, or discounted new build opportunities
   

Our job is to know which lenders are most NHS-friendly and how to structure your application so you’re getting the most out of your employment benefits and income potential.

Typically, lenders that offer more favourable terms include applicants in roles such as:

• 👩‍⚕️ Nurses & Midwives
   
• 👨‍⚕️ Doctors, GPs & Consultants
   
• 🚑 Paramedics & Ambulance Technicians
   
• 🩺 Healthcare Assistants & Support Workers
   
• 🧠 Mental Health Specialists
   
• 🏢 NHS Administrative & Non-Clinical Staff
   

If you’re unsure whether your role qualifies, just get in touch — we’ll contact lenders on your behalf to confirm your eligibility.

Many NHS professionals supplement their income with bank work, overtime, or additional shifts — and while some lenders can be cautious with variable income, others will happily take it into account when assessing your affordability.

We specialise in working with lenders who:

• ✅ Consider regular bank shifts and overtime as part of your main income
   
• ✅ Understand unsocial hours payments, enhancements, and bonus structures
   
• ✅ Are flexible about fixed-term contracts, locum work, or a mix of PAYE and agency income
   

This can make a significant difference to how much you’re able to borrow — and in many cases, it can increase your borrowing potential compared to a standard assessment.

We’ve helped many NHS employees across Newport Pagnell, Milton Keynes, and beyond secure mortgages that reflect their true income and employment profile. Here’s how we can help you:

• 💬 Explain all your mortgage options clearly — including fixed, tracker, and offset deals
   
• 🧾 Match you with lenders who understand NHS payslips, enhancements, and bank income
   
• 🏘️ Support with key worker schemes, shared ownership, and new build developments
   
• 📄 Manage the entire process — from Agreement in Principle to completion, liaising with lenders, solicitors, and agents on your behalf
   

• 📍 Local Expertise – We’re based in Newport Pagnell and work with clients across Milton Keynes, Broughton, Woburn Sands, Olney, and beyond.
   
• 🏦 Wide Lender Access – We have access to a large panel of mainstream and specialist lenders, many of whom offer preferential terms for NHS staff.
   
• 💼 Experience With Complex Cases – From split contracts and agency work to joint applications and remortgages, we handle complex income profiles every day.
   
• 🤝 Personal, Ongoing Support – You’ll deal with the same dedicated adviser from start to finish, ensuring a smooth and stress-free process.
   

If you’re an NHS worker — whether permanently employed, on a fixed-term contract, or working bank shifts — we’d love to help you make your next move with confidence. With our support, your career in healthcare can help you secure the home you deserve.

📍 Trusted by NHS staff across Newport Pagnell, Milton Keynes, Wolverton, Broughton, Olney, and beyond
 

Contact us today to book your free, no-obligation consultation. We’ll review your income, explain what you can borrow, and help you find the most suitable mortgage for your circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage.