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Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.12%
Rate type: Fixed Oct-2019
Monthly cost: £388.16 per month
Max LTV: 60%
Product fee: £1990.00
Overall cost for comparison: 3.8% APRC
Post Office logo 1.12% Fixed Oct-2019 3.8% APRC 60% £1990.00 £388.16 per month get quotes Call direct0808 178 6813
Initial rate: 1.19%
Rate type: Fixed Nov-2019
Monthly cost: £389.37 per month
Max LTV: 60%
Product fee: £1423.00
Overall cost for comparison: 3.5% APRC
NatWest logo 1.19% Fixed Nov-2019 3.5% APRC 60% £1423.00 £389.37 per month get quotes Call direct0800 158 2934
Initial rate: 1.19%
Rate type: Fixed Nov-2019
Monthly cost: £389.49 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.5% APRC
Royal Bank Of Scotland logo 1.19% Fixed Nov-2019 3.5% APRC 60% £1273.00 £389.49 per month get quotes Call direct0800 096 7447
Initial rate: 1.19%
Rate type: Fixed Nov-2019
Monthly cost: £389.49 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.5% APRC
Royal Bank Of Scotland logo 1.19% Fixed Nov-2019 3.5% APRC 60% £1273.00 £389.49 per month get quotes Call direct0800 096 7447
Initial rate: 1.19%
Rate type: Fixed Nov-2019
Monthly cost: £389.37 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.5% APRC
NatWest logo 1.19% Fixed Nov-2019 3.5% APRC 60% £1273.00 £389.37 per month get quotes Call direct0800 158 2934
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Mortgages for NHS Workers

Our Mortgage Service - helping you make the right decision

"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support. 

As your mortgage is such an important transaction, good advice is imperative.

Right Bullets

"We know that the internet is the first port of call for many people when looking for mortgage solutions; our view is, yes use the internet to do your own research , but then bring it to us and we’ll let you know how your findings compare and then give you the information and advice you need - so that you can make the right decision for your future.” Adam Arnott, Head of Mortgages & Protection

Compare Mortgages for NHS Workers

If you work in the NHS it can sometimes be difficult to buy a home that is within a commutable distance of your place of work, particularly if you live in an area with high house prices such as London or South East England. However, there are some measures you can take to help you get the mortgage you want.

Key worker schemes for NHS workers

Some NHS workers may be counted as key workers for the purposes of housing schemes, particularly if they earn an income below a certain threshold. These schemes are no always operation outside London and the South East, but even if you are not eligible for a specific NHS key worker home buying scheme, there could be other home purchase options that may be of use to you when it comes to getting mortgages for NHS workers.

Help to buy

If you are an NHS worker with a deposit of 5% but less than 10%, you may be eligible for the Government’s Help to Buy scheme. The Government offers a guarantee of 15% of the loan to the lender and the scheme is open to both first-time buyers and home movers, on residential properties up to £600,000. The Help To Buy scheme can be used to purchase a new build or an existing house.

NewBuy

If you want to buy a new property, the Government’s NewBuy scheme, launched in March 2012, could help you to purchase a brand new home, providing you have a deposit of at least 5%. This could be an option to consider if you are an NHS worker who is looking to get a mortgage. NewBuy is only available in England and includes new home up to a value of £500,000. Many building companies are registered with the NewBuy scheme but do check before you apply to avoid disappointment.

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