Borrow up to 95%
Independent Advice
Choice of 90+ lenders
Out of hours appointments available
NHS staff are the nation’s heroes. And yet, when it comes to getting a mortgage, a lot of banks don’t treat you like that.
We often hear from doctors, nurses and other NHS staff who have been turned down for a mortgage by their bank or who have been told they can’t borrow the amount they need in order to buy the home they really want.
There can be all sorts of reasons for this.
Some mortgage lenders will only look at your basic salary when deciding how much to lend you and will ignore your regular overtime payments and shift allowances.
Others will choose to ignore the additional fees you earn from your private practice - even though these may make up a considerable chunk of your annual income.
And some banks will refuse your mortgage application if you’re newly qualified and don’t have three months’ worth of payslips yet.
But here’s the good news…
At TAP Financial Services, we’ve built relationships with lenders who understand how NHS staff work and how you get paid and who therefore will treat you like a hero.
This means we can get you a mortgage based on your full income, allowing you to borrow way more than you’d get from a High Street bank. Plus, in most cases, you’ll be able to borrow up to 95% of the property value - meaning you won’t need to save up a massive deposit.
We can even help if you’ve just started working for the NHS or if you are in private practice.
To find out which mortgage offers you qualify for, fill in our one-minute enquiry form or call us on 07907 219136 to get straight through to a mortgage adviser (we don’t do call centres).
Find Your Ideal Mortgage
Fill in your details below and one of our mortgage experts will contact you to discuss your options and help you choose the best deal.
WHY CHOOSE US
Because we specialise in mortgages for NHS staff, we can offer you all sorts of benefits you won’t find on the High Street or through other brokers.
Save Money
Maximise your borrowing
High Approval Rates
Save time
Save Money
We’ve got access to 1,000s of different mortgages from over 90 lenders, including exclusive deals that the lenders don’t offer direct to the public.This means we can save you money every month by getting you the best available rate for your mortgage.
This applies whether you are buying a new home or if you just want to reduce the costs of staying in your current home by arranging a remortgage.
We’ve also got access to lenders who will cover the costs of valuations and legal fees, saving you even more money.
Maximise borrowing
We can get you a larger mortgage - one that’s based on your basic salary plus your overtime payments, shift allowances and any income from outside the NHS.
We can also arrange NHS mortgages of up to 95% loan to value, meaning you won’t need a huge deposit if you’re a first-time buyer.
High approval rates
We have access to over 90 different lenders which means we’ve got the best possible chance of finding one who will accept your application and lend you the amount you need for your dream home or to help you reduce your monthly outgoings.
We understand how the different lenders work and what they look for, and that means we can explain your income and present your application in a way that maximises your chances of being accepted.
And once we’ve got you accepted, your offer will be valid for six months. So if you’re moving house, you’ll have peace of mind that your mortgage offer won’t run out before you’re able to complete your purchase.
Save Time
We understand that NHS staff are busy people. So the last thing we want to do is waste any of your valuable time.
That’s why we’ve established relationships with lenders who understand how NHS staff work and who won’t need to see stacks of paperwork from you in order to approve your mortgage.
Plus the fact that we deal with doctors, nurses and other NHS staff day in and day out means that, unlike some other brokers, we’ll know right from the start which lender is most likely to accept you. So we won’t waste time (or damage your credit score) by submitting applications to multiple lenders in the desperate hope of finding one who’ll say yes.
Ata Qureshi
We got great advice, assistance and guidance on mortgage products. Got our mortgage approved and got us an excellent deal. Provided great advice on asset/mortgage/finance protection products and the importance and benefits of setting up trusts. All in all, there is good reason why mortgage advisors exist and I can't recommend TAP highly enough. A great value service.
Matthew Luke
I got my mortgage approval from the bank in just 8 days from the time I appointed Alpesh as my mortgage broker, he shows his efficient, dedication and hard-working. Many thanks for his help and I highly recommend him to all of you for using his service!
Nick J
After 3 years, 3 mortgage advisors and no house offers being accepted, i was a bit sceptical when our friend recommended having a chat with Alpesh. And I'm very glad I did have a chat. One week later I had an accepted house offer, a mortgage offer and it happened simply by that discussion. Alpesh is exactly what I always thought a financial advisor should be like and I couldn't be happier with his service. Highly recommend.
Nisaanth Manegavasar
Alpesh is literally THE BEST broker you could ask for. He is literally 24/7 available and made my mortgage application process a walk in the park. He was able to get me the best possible mortgage product and was also very informative! I can't thank him enough for this. I would recommend anyone to go to him!
HOW IT WORKS
1. Get in touch
Give us a call or complete the 30-second enquiry form and one of our advisers will call you back. We don’t have call centres so that adviser will be your point of contact throughout your entire journey with us.
2. We'll find your perfect mortgage
Once we've taken a few details we'll compare 1,000s of deals from over 90 lenders to find the one that is the best fit for you.
3. We'll do all the heavy lifting
Sit back and relax while we submit your application and all the required paperwork, keeping you regularly updated along the way
4. ...until your mortgage is approved!
With our help you'll have the greatest chance of being accepted for the mortgage you need at the best possible rate.
Find Your Ideal Mortgage
Fill in your details below and one of our mortgage experts will contact you to discuss your options and help you choose the best deal.
YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP KEEP UP REPAYMENTS ON YOUR MORTGAGE
Some buy to let mortgages are not regulated by the Financial Conduct Authority
TAP Financial Services is a trading style of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style
of Openwork Limited which is authorised and regulated by the Financial Conduct Authority
Just Mortgages Direct Limited Registered Office: Colwyn House, Sheepen Place, Colchester, Essex, C03 3LD. Registered in England No. 2412345
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