Yellow Brick Mortgages offers fee-free mortgage advice to NHS staff across the UK. The advice fee, which typically costs up to £695 with other brokers, is waived for NHS employees. The deal widget above links directly to the Yellow Brick Mortgages NHS page. Use code NHS695 when making an enquiry to confirm NHS employment.
What Yellow Brick Mortgages offers NHS staff
Yellow Brick Mortgages is a mortgage broker that specialises in professional mortgages including NHS staff. The fee-free arrangement means the broker is paid by the lender rather than the client, removing the advice fee that would typically be charged by a standard broker. The service covers first-time buyers, home movers, remortgages and buy-to-let purchases.
How the fee-free NHS mortgage service works
Yellow Brick Mortgages searches the market across a range of lenders to find mortgage deals suited to the individual’s circumstances. An initial consultation covers income, outgoings, deposit and intended property. From there, the adviser handles the mortgage search, recommendation and application process through to completion. The broker earns a commission from the lender rather than charging an advice fee to the NHS employee.
Flexible appointments for NHS shift workers
Yellow Brick Mortgages offers appointments by phone, video call and in person, with availability designed to accommodate NHS shift patterns. Appointments can be booked online through the Yellow Brick Mortgages website. This is worth noting for NHS staff on unpredictable rotas who struggle to contact financial services during standard business hours.
NHS mortgages and lender criteria
Some lenders treat NHS employment favourably when assessing mortgage applications, particularly for staff on NHS contracts with guaranteed pay bands. Bank and agency workers, or NHS staff on irregular hours, may face different affordability assessments. A broker with experience in NHS applications can help identify which lenders are best suited to a particular employment type.
Further general guidance on mortgages for NHS staff is available on the NHS mortgage guide page. Further finance deals and guidance for NHS staff are on the Finance discounts page.
Your home may be repossessed if you do not keep up repayments on your mortgage.
