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SELECT * FROM (SELECT * FROM wp_auto_internal_log WHERE INSTR(' <div data-elementor-type="wp-page" data-elementor-id="3153" class="elementor elementor-3153" data-elementor-post-type="page"> <section class="elementor-section elementor-top-section elementor-element elementor-element-df4ba91 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="df4ba91" data-element_type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bd281cd" data-id="bd281cd" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5818d59 elementor-widget elementor-widget-heading" data-id="5818d59" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">Newly Qualified Nurse Mortgage</h1> </div> </div> <div class="elementor-element elementor-element-6389d76 elementor-widget elementor-widget-text-editor" data-id="6389d76" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>The definitive guide to getting a Newly Qualified Nurse Mortgage.</p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-dddeee2" data-id="dddeee2" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-da39d98 elementor-button-align-stretch elementor-widget elementor-widget-global elementor-global-190 elementor-widget-form" data-id="da39d98" data-element_type="widget" data-settings="{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}" data-widget_type="form.default"> <div class="elementor-widget-container"> <form class="elementor-form" method="post" name="New Form"> <input type="hidden" name="post_id" value="3153"/> <input type="hidden" name="form_id" value="da39d98"/> <input type="hidden" name="referer_title" value="Newly Qualified Nurse Mortgage Specialist - Albion Forest Mortgages" /> <input type="hidden" name="queried_id" value="3153"/> <div class="elementor-form-fields-wrapper elementor-labels-above"> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-name" class="elementor-field-label"> Name </label> <input size="1" type="text" name="form_fields[name]" id="form-field-name" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-email" class="elementor-field-label"> Email </label> <input size="1" type="email" name="form_fields[email]" id="form-field-email" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_1 elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-field_1" class="elementor-field-label"> Phone </label> <input size="1" type="text" name="form_fields[field_1]" id="form-field-field_1" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-field_51fb3e8 elementor-col-100"> <label for="form-field-field_51fb3e8" class="elementor-field-label"> Message </label> <textarea class="elementor-field-textual elementor-field elementor-size-sm" name="form_fields[field_51fb3e8]" id="form-field-field_51fb3e8" rows="4"></textarea> </div> <div class="elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_dc01947 elementor-col-100 recaptcha_v3-bottomleft"> <div class="elementor-field" id="form-field-field_dc01947"><div class="elementor-g-recaptcha" data-sitekey="6Ld2DHUgAAAAAMVXotSao5BofcLHiMLSK74xykwz" data-type="v3" data-action="Form" data-badge="bottomleft" data-size="invisible"></div></div> </div> <div class="elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons"> <button type="submit" class="elementor-button elementor-size-sm"> <span > <span class=" elementor-button-icon"> </span> <span class="elementor-button-text">Let's Get Started</span> </span> </button> </div> </div> </form> </div> </div> <div class="elementor-element elementor-element-ab412c9 elementor-widget elementor-widget-global elementor-global-194 elementor-widget-heading" data-id="ab412c9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title elementor-size-default">You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us or one of our trusted partners to discuss your mortgage requirements</p> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-eb00227 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="eb00227" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ef95f03" data-id="ef95f03" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a10e448 elementor-widget elementor-widget-video" data-id="a10e448" data-element_type="widget" data-settings="{&quot;youtube_url&quot;:&quot;https:\/\/youtu.be\/TfQNARLrUWc&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}" data-widget_type="video.default"> <div class="elementor-widget-container"> <div class="elementor-wrapper elementor-open-inline"> <div class="elementor-video"></div> </div> </div> </div> <div class="elementor-element elementor-element-7ae5c8b heading-wrap-space elementor-widget elementor-widget-text-editor" data-id="7ae5c8b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400">Can I get a Newly Qualified Nurse Mortgage?</span></h2><p><span style="font-weight: 400">When you’ve just qualified you may not have started your new job yet. You can apply for mortgages even before starting your first job. This means you can happily get Key Worker mortgages for newly qualified nurses.</span></p><p><span style="font-weight: 400">As a Newly Qualified Nurse you may be looking to move to be close to where your new workplace will be, but without a few months of work history you wouldn’t fit most high street lenders. This is where speaking to a specialist mortgage advisor comes in, allowing you to get a mortgage before you have even started. Sometimes even whilst you are training.</span></p><h2><span style="font-weight: 400">Specialist Mortgage Advisers For Nurses</span></h2><p><span style="font-weight: 400">Why speak to a specialist? The same applies with Mortgages as with anything, if you want to get the best advice, you speak to a specialist. When you’re sick, they send you to a specialist in the area needed to get the best advice. The same applies with Mortgages. If you want the best advice for the area you are in, you need to speak to specialist Key Worker Mortgage advisors for Nurses. When you’re <a href="https://advisersassemble.co.uk/albionforest/key-worker-mortgage/student-nurse-mortgage/" target="_blank" rel="noopener">training</a> to be a Nurse or looking for a newly qualified Nurse mortgage your in a very select group. That’s why it&#8217;s best to speak to a Newly qualified Nurse mortgage Advisor.</span></p><h2><span style="font-weight: 400">Key Worker Mortgages For Newly Qualified Nurses</span></h2><p><span style="font-weight: 400">Whilst technically there are no Key Worker Mortgages for Newly Qualified Nurses. There are products and lenders that are a better fit for you. Whether you need a Newly qualified Nurse mortgage or are still training you can usually be eligible for a mortgage. Whilst training you may be in receipt of a Bursary income, as long as you have a plan for getting a job afterwards this can be used toward a mortgage application. Lenders will want to see that you can support the mortgage going forward. As a Nurse lenders are often happy to lend before you start work as your job is well known and usually secure.</span></p><h2><span style="font-weight: 400">Newly Qualified Nurse Mortgage Schemes</span></h2><p><span style="font-weight: 400">Unfortunately there are no specific Newly Qualified Nurse <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-mortgage-scheme/">Mortgage Schemes</a>, however there are schemes available to you.</span></p><h3><span style="font-weight: 400">First Homes</span></h3><p><span style="font-weight: 400">When it is released this <a href="https://albionforest.co.uk/key-worker-mortgage/key-workers-scheme/">scheme</a> will be perfect for <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-mortgage-scheme-for-nurses/">Newly Qualified Nurses</a>. Unfortunately despite the government announcing it, we haven’t been told when it will start. Essentially this scheme gives you a minimum 30% discount on an eligible New Build property. It will be open to First time Buyers and Key workers, therefore Newly Qualified Nurses!</span></p><h3><span style="font-weight: 400">Help To Buy</span></h3><p><span style="font-weight: 400">This is the current <a href="https://www.helptobuy.gov.uk/" target="_blank" rel="noopener">government scheme</a>. You get a 20% (40% in London) equity loan toward the purchase of an eligible New Build house. This allows you to put in a 5% deposit and get a 75% mortgage. Therefore you tend to get a better rate of interest on the mortgage.</span></p><h3><span style="font-weight: 400">Shared Ownership</span></h3><p><span style="font-weight: 400">Shared Ownership has been around for years. This scheme allows you to part purchase and part rent your property. This is perfect for people with low income or low deposit. As a Newly Qualified Nurse your salary may start lower and increase over the years. The shared ownership scheme usually allows you to purchase more shares of your property over time.</span></p><h3><span style="font-weight: 400">Right To Buy</span></h3><p><span style="font-weight: 400">If you are currently in a Council Property you may benefit from this scheme. It allows eligible council tenants to purchase their home from the Local Authority at a discounted rate. As long as you keep the property for a set amount of time. Speak to your local council to see if you are eligible for this scheme.</span></p><h2><span style="font-weight: 400">Newly Qualified Nurse Mortgage With Bad Credit</span></h2><p><span style="font-weight: 400">If you have Bad Credit you may struggle to get a newly qualified Nurse mortgage. There are still options available to you though. It may be best to speak to a specialist mortgage advisor to make sure you are applying to the best lender. Alternatively you can do the research yourself but with tens of thousands of mortgage products available, it may take you a while.</span></p><h2><span style="font-weight: 400">How Quickly Can A Newly Qualified Nurse Apply For A Mortgage?</span></h2><p><span style="font-weight: 400">This varies depending on the Lender, but some even before you qualify! Some lenders will consider you whilst you are training. Working in healthcare is a relatively stable occupation, this means Lenders quite like it. Just make sure you pick the right lender and do the research. As lenders change their criteria often we can’t tell you exactly which lender will be best without speaking to you unfortunately.</span></p><h2><span style="font-weight: 400">Do Nurses Get Special Mortgages?</span></h2><p><span style="font-weight: 400">Yes and no. There are Key Worker mortgages that are a better fit for Nurses, and even products and lenders that specialise in Key Workers. Some lenders are better at understanding your income and how you are paid. Others are good if you are training and receiving Bursary income.</span></p><h2><span style="font-weight: 400">What Mortgage Can A Nurse Afford?</span></h2><p><span style="font-weight: 400">This varies from lender to lender. It would be quite easy for us to say you can get 4 times your income, but so much more is taken into account. It’s not just based on how much you earn, but also your outgoings, and what they are for. Also it varies a lot from one lender to another. You may get 4 times with one lender, and 5 times your income with another. The answer is to either do some research and see who will lend you the most, or speak to a mortgage broker and they can go through your options and who will lend you the most.</span></p><h2><span style="font-weight: 400">How Long Are You A Newly Qualified Nurse?</span></h2><p><span style="font-weight: 400">This varies depending on your position, employer and contract. Usually between 4-12 months. You should be able to find out from your contract. You will also find your work benefits change as time goes by, this may affect what protection policies you need for your mortgage.</span></p><h2><span style="font-weight: 400">Which Is The Best Newly Qualified Nurse Mortgage Provider?</span></h2><p><span style="font-weight: 400">This is the million dollar question. The answer is that there isn’t one. It will vary from one person to another which is the best for you. If you are looking for a newly qualified nurse mortgage there may be a good fit with some lenders. Your overall situation is all taken into account when you are getting a mortgage, and which lender is best for you will depend on a lot of different factors.</span></p><h2><span style="font-weight: 400">Buy To Let Newly Qualified Nurse Mortgage</span></h2><p><span style="font-weight: 400">Nurses, and even those looking for a newly qualified nurse mortgage shouldn’t have any problems with a Buy to Let mortgage. As a Buy to Let mortgage is usually for business purposes, i.e. to make money, it&#8217;s usually best to speak to a mortgage broker. It doesn’t necessarily need to be a specialist for Nurses though, as a Buy to Let shouldn’t be affected by your employment too much.</span></p><h3><span style="font-weight: 400">Got another Newly qualified nurse mortgage question we haven’t answered? Try our main <a href="https://albionforest.co.uk/key-worker-mortgage/">Key Worker page</a> or one of our other <a href="https://albionforest.co.uk/key-worker-mortgage/mortgages-for-nurses/">Nurse Mortgage</a> pages. If still no luck, Get in touch!</span></h3> </div> </div> <div class="elementor-element elementor-element-fd4a270 elementor-widget elementor-widget-image" data-id="fd4a270" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="534" src="https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-andrea-piacquadio-3884109-scaled-1-1024x683.jpg" class="attachment-large size-large wp-image-1161" alt="Newly Qualified Nurse Mortgage" srcset="https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-andrea-piacquadio-3884109-scaled-1-1024x683.jpg 1024w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-andrea-piacquadio-3884109-scaled-1-300x200.jpg 300w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-andrea-piacquadio-3884109-scaled-1-768x512.jpg 768w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-andrea-piacquadio-3884109-scaled-1-1536x1024.jpg 1536w, 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class="elementor-widget-container"> <center><blockquote class="zenplayer" data-episode-href="https://zencastr.com/embed/BZuDVgDb" style="background: black; border-radius: 12px; font-family: system-ui; width: 240px; height: 240px; position: relative; color: white; margin: 0;"> <img decoding="async" style="width: 120px; display: inline-block; position: absolute; top: calc(50%); left: calc(50%); transform: translate(-50%, -50%);" src="data:image/svg+xml;base64,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/> <a href="https://zencastr.com/embed/BZuDVgDb" target="_blank" style="color: white; position: absolute; bottom: 12px; left: 50%; transform: translateX(-50%); text-decoration: none;" rel="noopener"> View on Zencastr </a></blockquote><script type="text/javascript" src="https://zencastr.com/static/js/embed-player.js"></script></center> </div> </div> <div class="elementor-element elementor-element-780be00 elementor-widget elementor-widget-image" data-id="780be00" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="601" height="1024" src="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png" class="attachment-large size-large wp-image-7070" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png 601w, https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1-176x300.png 176w" sizes="(max-width: 601px) 100vw, 601px" /> </div> </div> <div class="elementor-element elementor-element-4a9739cf elementor-widget elementor-widget-heading" data-id="4a9739cf" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Useful Links for NHS</h3> </div> </div> <div class="elementor-element elementor-element-75d1e8a4 footer-icon elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="75d1e8a4" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/nhs-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">NHS Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/nhs-mortgage/mortgages-for-nurses/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgages for Nurses</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/nhs-mortgage/mortgages-for-dentists/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgages for Dentists</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/nhs-mortgage/newly-qualified-nurse-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Newly Qualified Nurse Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/nhs-mortgage/key-worker-mortgage-scheme-for-nurses/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgage Scheme for Nurses</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/nhs-mortgage/student-nurse-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Student Nurse Mortgages</span> </a> </li> </ul> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-4b73148b elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="4b73148b" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-430be1bc" data-id="430be1bc" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5aa24c65 elementor-widget elementor-widget-heading" data-id="5aa24c65" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Why Albion Forest?</h3> </div> </div> <div class="elementor-element elementor-element-6facf230 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="6facf230" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-shield-alt"></i> </span> <span class="elementor-icon-list-text">Raising The standards of financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-network-wired"></i> </span> <span class="elementor-icon-list-text">Making financial advice accessible to all</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="far fa-handshake"></i> </span> <span class="elementor-icon-list-text">Trusted &amp; stress-free financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-hand-holding-heart"></i> </span> <span class="elementor-icon-list-text">Friendly, personable advisors</span> </li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div> </div> </div> </section> </div> ', keyword) > 0 UNION ALL SELECT * FROM wp_auto_internal_links WHERE INSTR(' <div data-elementor-type="wp-page" data-elementor-id="3153" class="elementor elementor-3153" data-elementor-post-type="page"> <section class="elementor-section elementor-top-section elementor-element elementor-element-df4ba91 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="df4ba91" data-element_type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bd281cd" data-id="bd281cd" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5818d59 elementor-widget elementor-widget-heading" data-id="5818d59" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">Newly Qualified Nurse Mortgage</h1> </div> </div> <div class="elementor-element elementor-element-6389d76 elementor-widget elementor-widget-text-editor" data-id="6389d76" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>The definitive guide to getting a Newly Qualified Nurse Mortgage.</p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-dddeee2" data-id="dddeee2" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-da39d98 elementor-button-align-stretch elementor-widget elementor-widget-global elementor-global-190 elementor-widget-form" data-id="da39d98" data-element_type="widget" data-settings="{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}" data-widget_type="form.default"> <div class="elementor-widget-container"> <form class="elementor-form" method="post" name="New Form"> <input type="hidden" name="post_id" 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<input size="1" type="email" name="form_fields[email]" id="form-field-email" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_1 elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-field_1" class="elementor-field-label"> Phone </label> <input size="1" type="text" name="form_fields[field_1]" id="form-field-field_1" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-field_51fb3e8 elementor-col-100"> <label for="form-field-field_51fb3e8" class="elementor-field-label"> Message </label> <textarea class="elementor-field-textual elementor-field elementor-size-sm" name="form_fields[field_51fb3e8]" id="form-field-field_51fb3e8" rows="4"></textarea> </div> <div class="elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_dc01947 elementor-col-100 recaptcha_v3-bottomleft"> <div class="elementor-field" id="form-field-field_dc01947"><div class="elementor-g-recaptcha" data-sitekey="6Ld2DHUgAAAAAMVXotSao5BofcLHiMLSK74xykwz" data-type="v3" data-action="Form" data-badge="bottomleft" data-size="invisible"></div></div> </div> <div class="elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons"> <button type="submit" class="elementor-button elementor-size-sm"> <span > <span class=" elementor-button-icon"> </span> <span class="elementor-button-text">Let's Get Started</span> </span> </button> </div> </div> </form> </div> </div> <div class="elementor-element elementor-element-ab412c9 elementor-widget elementor-widget-global elementor-global-194 elementor-widget-heading" data-id="ab412c9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title elementor-size-default">You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us or one of our trusted partners to discuss your mortgage requirements</p> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-eb00227 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="eb00227" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ef95f03" data-id="ef95f03" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a10e448 elementor-widget elementor-widget-video" data-id="a10e448" data-element_type="widget" data-settings="{&quot;youtube_url&quot;:&quot;https:\/\/youtu.be\/TfQNARLrUWc&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}" data-widget_type="video.default"> <div class="elementor-widget-container"> <div class="elementor-wrapper elementor-open-inline"> <div class="elementor-video"></div> </div> </div> </div> <div class="elementor-element elementor-element-7ae5c8b heading-wrap-space elementor-widget elementor-widget-text-editor" data-id="7ae5c8b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400">Can I get a Newly Qualified Nurse Mortgage?</span></h2><p><span style="font-weight: 400">When you’ve just qualified you may not have started your new job yet. You can apply for mortgages even before starting your first job. This means you can happily get Key Worker mortgages for newly qualified nurses.</span></p><p><span style="font-weight: 400">As a Newly Qualified Nurse you may be looking to move to be close to where your new workplace will be, but without a few months of work history you wouldn’t fit most high street lenders. This is where speaking to a specialist mortgage advisor comes in, allowing you to get a mortgage before you have even started. Sometimes even whilst you are training.</span></p><h2><span style="font-weight: 400">Specialist Mortgage Advisers For Nurses</span></h2><p><span style="font-weight: 400">Why speak to a specialist? The same applies with Mortgages as with anything, if you want to get the best advice, you speak to a specialist. When you’re sick, they send you to a specialist in the area needed to get the best advice. The same applies with Mortgages. If you want the best advice for the area you are in, you need to speak to specialist Key Worker Mortgage advisors for Nurses. When you’re <a href="https://advisersassemble.co.uk/albionforest/key-worker-mortgage/student-nurse-mortgage/" target="_blank" rel="noopener">training</a> to be a Nurse or looking for a newly qualified Nurse mortgage your in a very select group. That’s why it&#8217;s best to speak to a Newly qualified Nurse mortgage Advisor.</span></p><h2><span style="font-weight: 400">Key Worker Mortgages For Newly Qualified Nurses</span></h2><p><span style="font-weight: 400">Whilst technically there are no Key Worker Mortgages for Newly Qualified Nurses. There are products and lenders that are a better fit for you. Whether you need a Newly qualified Nurse mortgage or are still training you can usually be eligible for a mortgage. Whilst training you may be in receipt of a Bursary income, as long as you have a plan for getting a job afterwards this can be used toward a mortgage application. Lenders will want to see that you can support the mortgage going forward. As a Nurse lenders are often happy to lend before you start work as your job is well known and usually secure.</span></p><h2><span style="font-weight: 400">Newly Qualified Nurse Mortgage Schemes</span></h2><p><span style="font-weight: 400">Unfortunately there are no specific Newly Qualified Nurse <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-mortgage-scheme/">Mortgage Schemes</a>, however there are schemes available to you.</span></p><h3><span style="font-weight: 400">First Homes</span></h3><p><span style="font-weight: 400">When it is released this <a href="https://albionforest.co.uk/key-worker-mortgage/key-workers-scheme/">scheme</a> will be perfect for <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-mortgage-scheme-for-nurses/">Newly Qualified Nurses</a>. Unfortunately despite the government announcing it, we haven’t been told when it will start. Essentially this scheme gives you a minimum 30% discount on an eligible New Build property. It will be open to First time Buyers and Key workers, therefore Newly Qualified Nurses!</span></p><h3><span style="font-weight: 400">Help To Buy</span></h3><p><span style="font-weight: 400">This is the current <a href="https://www.helptobuy.gov.uk/" target="_blank" rel="noopener">government scheme</a>. You get a 20% (40% in London) equity loan toward the purchase of an eligible New Build house. This allows you to put in a 5% deposit and get a 75% mortgage. Therefore you tend to get a better rate of interest on the mortgage.</span></p><h3><span style="font-weight: 400">Shared Ownership</span></h3><p><span style="font-weight: 400">Shared Ownership has been around for years. This scheme allows you to part purchase and part rent your property. This is perfect for people with low income or low deposit. As a Newly Qualified Nurse your salary may start lower and increase over the years. The shared ownership scheme usually allows you to purchase more shares of your property over time.</span></p><h3><span style="font-weight: 400">Right To Buy</span></h3><p><span style="font-weight: 400">If you are currently in a Council Property you may benefit from this scheme. It allows eligible council tenants to purchase their home from the Local Authority at a discounted rate. As long as you keep the property for a set amount of time. Speak to your local council to see if you are eligible for this scheme.</span></p><h2><span style="font-weight: 400">Newly Qualified Nurse Mortgage With Bad Credit</span></h2><p><span style="font-weight: 400">If you have Bad Credit you may struggle to get a newly qualified Nurse mortgage. There are still options available to you though. It may be best to speak to a specialist mortgage advisor to make sure you are applying to the best lender. Alternatively you can do the research yourself but with tens of thousands of mortgage products available, it may take you a while.</span></p><h2><span style="font-weight: 400">How Quickly Can A Newly Qualified Nurse Apply For A Mortgage?</span></h2><p><span style="font-weight: 400">This varies depending on the Lender, but some even before you qualify! Some lenders will consider you whilst you are training. Working in healthcare is a relatively stable occupation, this means Lenders quite like it. Just make sure you pick the right lender and do the research. As lenders change their criteria often we can’t tell you exactly which lender will be best without speaking to you unfortunately.</span></p><h2><span style="font-weight: 400">Do Nurses Get Special Mortgages?</span></h2><p><span style="font-weight: 400">Yes and no. There are Key Worker mortgages that are a better fit for Nurses, and even products and lenders that specialise in Key Workers. Some lenders are better at understanding your income and how you are paid. Others are good if you are training and receiving Bursary income.</span></p><h2><span style="font-weight: 400">What Mortgage Can A Nurse Afford?</span></h2><p><span style="font-weight: 400">This varies from lender to lender. It would be quite easy for us to say you can get 4 times your income, but so much more is taken into account. It’s not just based on how much you earn, but also your outgoings, and what they are for. Also it varies a lot from one lender to another. You may get 4 times with one lender, and 5 times your income with another. The answer is to either do some research and see who will lend you the most, or speak to a mortgage broker and they can go through your options and who will lend you the most.</span></p><h2><span style="font-weight: 400">How Long Are You A Newly Qualified Nurse?</span></h2><p><span style="font-weight: 400">This varies depending on your position, employer and contract. Usually between 4-12 months. You should be able to find out from your contract. You will also find your work benefits change as time goes by, this may affect what protection policies you need for your mortgage.</span></p><h2><span style="font-weight: 400">Which Is The Best Newly Qualified Nurse Mortgage Provider?</span></h2><p><span style="font-weight: 400">This is the million dollar question. The answer is that there isn’t one. It will vary from one person to another which is the best for you. If you are looking for a newly qualified nurse mortgage there may be a good fit with some lenders. Your overall situation is all taken into account when you are getting a mortgage, and which lender is best for you will depend on a lot of different factors.</span></p><h2><span style="font-weight: 400">Buy To Let Newly Qualified Nurse Mortgage</span></h2><p><span style="font-weight: 400">Nurses, and even those looking for a newly qualified nurse mortgage shouldn’t have any problems with a Buy to Let mortgage. As a Buy to Let mortgage is usually for business purposes, i.e. to make money, it&#8217;s usually best to speak to a mortgage broker. It doesn’t necessarily need to be a specialist for Nurses though, as a Buy to Let shouldn’t be affected by your employment too much.</span></p><h3><span style="font-weight: 400">Got another Newly qualified nurse mortgage question we haven’t answered? Try our main <a href="https://albionforest.co.uk/key-worker-mortgage/">Key Worker page</a> or one of our other <a href="https://albionforest.co.uk/key-worker-mortgage/mortgages-for-nurses/">Nurse Mortgage</a> pages. If still no luck, Get in touch!</span></h3> </div> </div> <div class="elementor-element elementor-element-fd4a270 elementor-widget elementor-widget-image" data-id="fd4a270" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="534" src="https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-andrea-piacquadio-3884109-scaled-1-1024x683.jpg" class="attachment-large size-large wp-image-1161" alt="Newly Qualified Nurse Mortgage" srcset="https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-andrea-piacquadio-3884109-scaled-1-1024x683.jpg 1024w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-andrea-piacquadio-3884109-scaled-1-300x200.jpg 300w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-andrea-piacquadio-3884109-scaled-1-768x512.jpg 768w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-andrea-piacquadio-3884109-scaled-1-1536x1024.jpg 1536w, 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/> <a href="https://zencastr.com/embed/BZuDVgDb" target="_blank" style="color: white; position: absolute; bottom: 12px; left: 50%; transform: translateX(-50%); text-decoration: none;" rel="noopener"> View on Zencastr </a></blockquote><script type="text/javascript" src="https://zencastr.com/static/js/embed-player.js"></script></center> </div> </div> <div class="elementor-element elementor-element-780be00 elementor-widget elementor-widget-image" data-id="780be00" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="601" height="1024" src="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png" class="attachment-large size-large wp-image-7070" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png 601w, https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1-176x300.png 176w" sizes="(max-width: 601px) 100vw, 601px" /> </div> </div> <div class="elementor-element elementor-element-4a9739cf elementor-widget elementor-widget-heading" data-id="4a9739cf" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Useful Links for NHS</h3> </div> </div> <div class="elementor-element elementor-element-75d1e8a4 footer-icon elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="75d1e8a4" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/nhs-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">NHS Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/nhs-mortgage/mortgages-for-nurses/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgages for Nurses</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/nhs-mortgage/mortgages-for-dentists/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgages for Dentists</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/nhs-mortgage/newly-qualified-nurse-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Newly Qualified Nurse Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/nhs-mortgage/key-worker-mortgage-scheme-for-nurses/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgage Scheme for Nurses</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/nhs-mortgage/student-nurse-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Student Nurse Mortgages</span> </a> </li> </ul> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-4b73148b elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="4b73148b" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-430be1bc" data-id="430be1bc" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5aa24c65 elementor-widget elementor-widget-heading" data-id="5aa24c65" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Why Albion Forest?</h3> </div> </div> <div class="elementor-element elementor-element-6facf230 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="6facf230" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-shield-alt"></i> </span> <span class="elementor-icon-list-text">Raising The standards of financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-network-wired"></i> </span> <span class="elementor-icon-list-text">Making financial advice accessible to all</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="far fa-handshake"></i> </span> <span class="elementor-icon-list-text">Trusted &amp; stress-free financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-hand-holding-heart"></i> </span> <span class="elementor-icon-list-text">Friendly, personable advisors</span> </li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div> </div> </div> </section> </div> ', keyword) > 0) AS combined_tables ORDER BY priority ASC, created_at ASC

Newly Qualified Nurse Mortgage

The definitive guide to getting a Newly Qualified Nurse Mortgage.

You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us or one of our trusted partners to discuss your mortgage requirements

Can I get a Newly Qualified Nurse Mortgage?

When you’ve just qualified you may not have started your new job yet. You can apply for mortgages even before starting your first job. This means you can happily get Key Worker mortgages for newly qualified nurses.

As a Newly Qualified Nurse you may be looking to move to be close to where your new workplace will be, but without a few months of work history you wouldn’t fit most high street lenders. This is where speaking to a specialist mortgage advisor comes in, allowing you to get a mortgage before you have even started. Sometimes even whilst you are training.

Specialist Mortgage Advisers For Nurses

Why speak to a specialist? The same applies with Mortgages as with anything, if you want to get the best advice, you speak to a specialist. When you’re sick, they send you to a specialist in the area needed to get the best advice. The same applies with Mortgages. If you want the best advice for the area you are in, you need to speak to specialist Key Worker Mortgage advisors for Nurses. When you’re training to be a Nurse or looking for a newly qualified Nurse mortgage your in a very select group. That’s why it’s best to speak to a Newly qualified Nurse mortgage Advisor.

Key Worker Mortgages For Newly Qualified Nurses

Whilst technically there are no Key Worker Mortgages for Newly Qualified Nurses. There are products and lenders that are a better fit for you. Whether you need a Newly qualified Nurse mortgage or are still training you can usually be eligible for a mortgage. Whilst training you may be in receipt of a Bursary income, as long as you have a plan for getting a job afterwards this can be used toward a mortgage application. Lenders will want to see that you can support the mortgage going forward. As a Nurse lenders are often happy to lend before you start work as your job is well known and usually secure.

Newly Qualified Nurse Mortgage Schemes

Unfortunately there are no specific Newly Qualified Nurse Mortgage Schemes, however there are schemes available to you.

First Homes

When it is released this scheme will be perfect for Newly Qualified Nurses. Unfortunately despite the government announcing it, we haven’t been told when it will start. Essentially this scheme gives you a minimum 30% discount on an eligible New Build property. It will be open to First time Buyers and Key workers, therefore Newly Qualified Nurses!

Help To Buy

This is the current government scheme. You get a 20% (40% in London) equity loan toward the purchase of an eligible New Build house. This allows you to put in a 5% deposit and get a 75% mortgage. Therefore you tend to get a better rate of interest on the mortgage.

Shared Ownership

Shared Ownership has been around for years. This scheme allows you to part purchase and part rent your property. This is perfect for people with low income or low deposit. As a Newly Qualified Nurse your salary may start lower and increase over the years. The shared ownership scheme usually allows you to purchase more shares of your property over time.

Right To Buy

If you are currently in a Council Property you may benefit from this scheme. It allows eligible council tenants to purchase their home from the Local Authority at a discounted rate. As long as you keep the property for a set amount of time. Speak to your local council to see if you are eligible for this scheme.

Newly Qualified Nurse Mortgage With Bad Credit

If you have Bad Credit you may struggle to get a newly qualified Nurse mortgage. There are still options available to you though. It may be best to speak to a specialist mortgage advisor to make sure you are applying to the best lender. Alternatively you can do the research yourself but with tens of thousands of mortgage products available, it may take you a while.

How Quickly Can A Newly Qualified Nurse Apply For A Mortgage?

This varies depending on the Lender, but some even before you qualify! Some lenders will consider you whilst you are training. Working in healthcare is a relatively stable occupation, this means Lenders quite like it. Just make sure you pick the right lender and do the research. As lenders change their criteria often we can’t tell you exactly which lender will be best without speaking to you unfortunately.

Do Nurses Get Special Mortgages?

Yes and no. There are Key Worker mortgages that are a better fit for Nurses, and even products and lenders that specialise in Key Workers. Some lenders are better at understanding your income and how you are paid. Others are good if you are training and receiving Bursary income.

What Mortgage Can A Nurse Afford?

This varies from lender to lender. It would be quite easy for us to say you can get 4 times your income, but so much more is taken into account. It’s not just based on how much you earn, but also your outgoings, and what they are for. Also it varies a lot from one lender to another. You may get 4 times with one lender, and 5 times your income with another. The answer is to either do some research and see who will lend you the most, or speak to a mortgage broker and they can go through your options and who will lend you the most.

How Long Are You A Newly Qualified Nurse?

This varies depending on your position, employer and contract. Usually between 4-12 months. You should be able to find out from your contract. You will also find your work benefits change as time goes by, this may affect what protection policies you need for your mortgage.

Which Is The Best Newly Qualified Nurse Mortgage Provider?

This is the million dollar question. The answer is that there isn’t one. It will vary from one person to another which is the best for you. If you are looking for a newly qualified nurse mortgage there may be a good fit with some lenders. Your overall situation is all taken into account when you are getting a mortgage, and which lender is best for you will depend on a lot of different factors.

Buy To Let Newly Qualified Nurse Mortgage

Nurses, and even those looking for a newly qualified nurse mortgage shouldn’t have any problems with a Buy to Let mortgage. As a Buy to Let mortgage is usually for business purposes, i.e. to make money, it’s usually best to speak to a mortgage broker. It doesn’t necessarily need to be a specialist for Nurses though, as a Buy to Let shouldn’t be affected by your employment too much.

Got another Newly qualified nurse mortgage question we haven’t answered? Try our main Key Worker page or one of our other Nurse Mortgage pages. If still no luck, Get in touch!

Newly Qualified Nurse Mortgage

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