0800 197 0504

 0800 197 0504

 0800 197 0504

First time buyer mortgage and NHS key workers

Our brokers have a wide range of access to mortgage products on the market, including The Heroes Mortgage range introduced by a specialist lender. The product range includes mortgages for first time buyers, home movers and those looking to remortgage. These specialist mortgage products are designed for the Heroes among us, the essential workers that provide vital community services:

  • NHS Clinicians (including Paramedics & Nurses)
  • Teachers
  • Armed Forces Personnel (Army, Navy, Royal Air Force)
  • Firefighters
  • Police

This mortgage range recognises and understands that these roles rarely take on a 9-5 outlook and treats each case individually. With flexible lending criteria, the Heroes mortgage range is designed to help make our essential workers homeowners.

  • Mortgage loans of up to 5x income, subject to affordability
  • Overtime and second job income included in overall income
  • Limited credit history considered
  • Bad credit accepted
  • Debt Management Plans (DMPs) considered

Case Study

Mortgage Enquiry

The customers came to us as first-time buyers and both NHS key workers, they currently rented a property. They wanted to buy their first home but where in a debt management plan (DMP) so struggle to find a mortgage themselves.  The property they liked was going to be their forever home, so the really wanted to secure it for their future.

Completion date: 5/02/2021

Balance Payment Product Term
New Mortgage
2-year fixed rate
25 years


We arranged a mortgage via a lenders ‘Hero’ Help to Buy range, which is specific for key workers and gives a few additional allowances to be accepted for a mortgage.  The customers used a 5% deposit, that was in the main gifted from family.  Customers now happy in their new home 😊

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