We are waiving the mortgage advice fee for every member of NHS staff, no matter the role.
Typically priced up to £295
At Lifetime Planning, we specialise in mortgages and protection for everyone who keeps it running: doctors and porters, nurses and IT staff.
Leave your details and an expert adviser will be in touch.
Whether you’re just starting out or years into your career, we’ll find the right mortgage for where you are now.
Starting your NHS career and ready for your first home. We’ll help you understand what you can borrow and find the right deal.
Moving up, moving on, or moving closer to work. We’ll help you manage the transition from start to finish.
Coming to the end of your current deal? We’ll check you’re not paying more than you need to.
Irregular income or multiple contracts shouldn’t stand in the way of a mortgage. We know how to present your finances to lenders who understand locum work.
Your NHS employment comes with valuable benefits, but they don’t always provide complete protection.
✔ NHS sick pay vs. income protection
NHS sick pay runs out. Income protection picks up where it stops.
✔ Death in service vs. life insurance
Death in service may not be enough on its own. We’ll help you work out the gap.
✔ Critical illness cover
A lump sum if you’re diagnosed with a serious illness, when you need it most.
✔ Family protection options
Making sure the people who depend on you are looked after, whatever happens.
Our goal is to make the mortgage process straightforward and stress-free for NHS staff, whether you’re buying your first home, relocating, remortgaging, or investing in a Buy to Let property.
We start with a conversation about:
– Your NHS role and income structure
– Your deposit
– Your credit history
– Your goals and timescales
We’ll explain how much you could borrow and what your monthly payments might look like.
No jargon. No pressure.
When you’re ready, we take the hard work off your hands. We’ll walk you through exactly what documents you need, chase things down on your behalf, and keep you updated at every stage.
Then we handle the submission to your chosen lender, so you don’t have to deal with the back and forth yourself.
We will support you every step of the way and guide you until your mortgage is finalised, keeping you informed at all times.
Our support doesn’t stop there. We are there to:
– Review your mortgage before your deal ends
– Check your protection arrangements
– Stay on hand for future moves or remortgages.
