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SELECT * FROM (SELECT * FROM wp_auto_internal_log WHERE INSTR(' <div data-elementor-type="wp-page" data-elementor-id="3154" class="elementor elementor-3154" 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">Student Nurse Mortgage</h1> </div> </div> <div class="elementor-element elementor-element-e8bae3f elementor-widget elementor-widget-text-editor" data-id="e8bae3f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>Everything you need to know about getting a Student 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="3154"/> <input type="hidden" name="form_id" value="da39d98"/> <input type="hidden" name="referer_title" value="Student Nurse Mortgage - Albion Forest Mortgages" /> <input type="hidden" name="queried_id" value="3154"/> <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-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 You Get A Student Nurse Mortgage?</span></h2><p><span style="font-weight: 400">Yes you can! Or rather there are mortgages that are perfect for a Student Nurse Mortgage. When you are a student you likely have complicated income that many lenders won’t accept. For example you may have bursary income that is non standard. You may also be doing agency work whilst training.</span></p><p><span style="font-weight: 400">If you are considering a student nurse mortgage you will probably need a specialist mortgage advisor to guide you through the process. It is also important that you case is packaged correctly for the lender to give the best chance of approval.</span></p><h2><span style="font-weight: 400">Do Nurses Get Special Mortgages?</span></h2><p><span style="font-weight: 400">Sort of. Nurses may have access to specialist products for Key Workers that others may not have access to. However they may not always be the best choice for you. When you’re considering getting a mortgage it’s important to consider all your options. This is why most people save money by using a Mortgage Advisor.</span></p><h2><span style="font-weight: 400">What Mortgage Can A Nurse Afford?</span></h2><p><span style="font-weight: 400">This will vary depending on lots of factors. Your income being the biggest one. Where does your income come from, is it all from one employer? Also it may not just be a basic wage, you likely have overtime, night pay etc. Working out how much you can afford isn’t as simple as many people think. However if you can spare us ten minutes over the phone we can tell you, and we will do it for free.</span></p><h2><span style="font-weight: 400">Why Do Nurses Struggle To Find Suitable Mortgages?</span></h2><p><span style="font-weight: 400">Usually due to your income being complicated. As we mentioned before you will probably have different aspects of your income. Some lenders may only take 50% or 30% of additional income streams like overtime or night pay. However some certainly do take 100% of these, so it’s worth speaking to a professional to find out which is best for you.</span></p><h2><span style="font-weight: 400">Can A Newly Qualified Nurse Get A Mortgage?</span></h2><p><span style="font-weight: 400">Absolutely. When you are <a href="https://advisersassemble.co.uk/albionforest/key-worker-mortgage/newly-qualified-nurse-mortgage/" target="_blank" rel="noopener">newly qualified</a> you may be on a shorter term contract and you probably have student debt to repay. However there are lenders that understand this and will still lend to you. You will also probably have less income evidence than someone that has been employed for years.</span></p> </div> </div> <div class="elementor-element elementor-element-5a0379e elementor-widget elementor-widget-video" data-id="5a0379e" data-element_type="widget" data-settings="{&quot;youtube_url&quot;:&quot;https:\/\/youtu.be\/TfQNARLrUWc&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-cf55aa5 elementor-widget elementor-widget-text-editor" data-id="cf55aa5" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400">How Much Deposit Will A Student Nurse Need?</span></h2><p><span style="font-weight: 400">You’ll usually need at least 5%, however the more the better. With a 5% deposit your options will be quite limited. If you can, try and get a 10% deposit and you will have many more options.</span></p><h2><span style="font-weight: 400">Can I Get A Mortgage As A Bank Nurse?</span></h2><p><span style="font-weight: 400">Yes! However lots of lenders don’t like Bank work as it can be unstable. Some lenders however understand that many medical professionals do this. You may need to provide more evidence and if you’ve just started Bank work you may not be able to use this income.</span></p><h2><span style="font-weight: 400">What Schemes Are Available For A Student Nurse Mortgage?</span></h2><h3><span style="font-weight: 400">Government First Homes Scheme</span></h3><p><span style="font-weight: 400">The <a href="https://advisersassemble.co.uk/albionforest/key-worker-mortgage/key-workers-scheme/" target="_blank" rel="noopener">Government First Homes Scheme</a> has not been released yet. What we do know is that it will be a minimum 30% discount on an eligible New build property. The government have said it will be for First Time Buyers and <a href="https://advisersassemble.co.uk/albionforest/key-worker-mortgage/key-worker-mortgage-scheme-for-nurses/" target="_blank" rel="noopener">Key Workers</a>. Making it the go to for a Student Nurse Mortgage.</span></p><h3><span style="font-weight: 400">Government Help to Buy Scheme</span></h3><p><span style="font-weight: 400">This <a href="https://www.helptobuy.gov.uk/" target="_blank" rel="noopener">scheme</a> is for First Time Buyers. It offers a 20% equity loan, interest free for five years. This allows you to get a 5% deposit and a 75% mortgage, often getting you a better rate than</span></p><h3><span style="font-weight: 400">Shared Ownership Scheme</span></h3><p><span style="font-weight: 400">The Shared Ownership Scheme allows you to part rent and part buy your home. This means you need a lower deposit and can get on the property ladder with a lower income.</span></p><h2><span style="font-weight: 400">How Can I Compare Student Nurse Mortgage Providers?</span></h2><p><span style="font-weight: 400">You can go to each lender and get their product information, these are the go to lenders for a Student Nurse Mortgage:</span></p><ul><li style="font-weight: 400"><span style="font-weight: 400">Nationwide</span></li><li style="font-weight: 400"><span style="font-weight: 400">Halifax</span></li><li style="font-weight: 400"><span style="font-weight: 400">Tsb</span></li><li style="font-weight: 400"><span style="font-weight: 400">Leeds Building Society</span></li><li style="font-weight: 400"><span style="font-weight: 400">Santander</span></li><li style="font-weight: 400"><span style="font-weight: 400">Barclays</span></li><li style="font-weight: 400"><span style="font-weight: 400">Aldermore</span></li><li style="font-weight: 400"><span style="font-weight: 400">West Brom</span></li><li style="font-weight: 400"><span style="font-weight: 400">Virgin Money</span></li></ul><p><span style="font-weight: 400">However you would probably find it easier to let a Mortgage Advisor do this for you. Most people save money by using a Mortgage Advisor as well.</span></p><h2><span style="font-weight: 400">Student Nurse Mortgage Calculators</span></h2><p><span style="font-weight: 400">We don’t have a Student Nurse Mortgage calculator. There is too much going on with a Nurse’s income to have a simple one. However we can tell you, it’ll take us around ten minutes over the phone to work it out for you, and we’ll do it for free. If you would like to know how much you can borrow get in touch and we’ll tell you.</span></p><h2><span style="font-weight: 400">How Does Student Debt Affect Mortgage?</span></h2><p><span style="font-weight: 400">Student loans can affect how much you can borrow. In fact your overall debt affects it. If you have credit cards, hire purchase agreements etc. they will all be taken into account for a mortgage. Different lenders will look at debt differently, so it may reduce what you can borrow with one but not with another.</span></p><h2><span style="font-weight: 400">Can Mature Students Get A Student Nurse Mortgage?</span></h2><p><span style="font-weight: 400">Yes absolutely! In the same way as everyone else can get a mortgage usually. If you are a Mature student your income may be complicated, you may have bursary income or bank work income.</span></p><p><span style="font-weight: 400">Lenders review Mature students the same as everyone else, that said some lenders will take your various aspects of income better than others.</span></p><h2><span style="font-weight: 400">Types of Student Nurse Mortgage Available</span></h2><h3><span style="font-weight: 400">Fixed rate mortgages</span></h3><p><span style="font-weight: 400">Fixed rate mortgages are probably the most popular type of mortgage. Your rate of interest is fixed for a set amount of time. This means that your monthly payments are the same each month giving stability. However this type of mortgage will often have an early repayment charge attached to it. Therefore if you try to redeem the mortgage in this fixed rate period you have to pay a fee.</span></p><h3><span style="font-weight: 400">Tracker rate mortgages</span></h3><p><span style="font-weight: 400">Tracker rate mortgages generally track the Bank of England Base rate. This means as the base rate goes up and down over time your monthly payments will do the same. These types of mortgages often don’t have early repayment charges so can be quite flexible.</span></p><h3><span style="font-weight: 400">Discount rate mortgages</span></h3><p><span style="font-weight: 400">Similar to Tracker rate mortgages, discount mortgages are variable. They tend to be a discount on the lender&#8217;s standard variable rate. This therefore means as the lender adjusts their variable rate your interest rate goes up and down as well. Therefore your monthly payments go up and down too. Like tracker rate mortgages they often won’t have early repayment fees making them more flexible.</span></p><h3><span style="font-weight: 400">Got A Question We Haven’t Answered? Try Our Main <a href="https://advisersassemble.co.uk/albionforest/key-worker-mortgage/" target="_blank" rel="noopener">Key Worker Page</a> Or <a href="https://advisersassemble.co.uk/albionforest/key-worker-mortgage/mortgages-for-nurses/" target="_blank" rel="noopener">Nurse Mortgages</a> Page. We Have Lots Of Pages For Nurses, Check Them Out!</span></h3> </div> </div> <div class="elementor-element elementor-element-3f2a565 elementor-widget elementor-widget-image" data-id="3f2a565" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="571" src="https://albionforest.co.uk/wp-content/uploads/2020/12/pexels-rfstudio-3825529-scaled-1-1024x731.jpg" class="attachment-large size-large wp-image-2360" alt="student nurse mortgage" srcset="https://albionforest.co.uk/wp-content/uploads/2020/12/pexels-rfstudio-3825529-scaled-1-1024x731.jpg 1024w, https://albionforest.co.uk/wp-content/uploads/2020/12/pexels-rfstudio-3825529-scaled-1-300x214.jpg 300w, https://albionforest.co.uk/wp-content/uploads/2020/12/pexels-rfstudio-3825529-scaled-1-768x548.jpg 768w, https://albionforest.co.uk/wp-content/uploads/2020/12/pexels-rfstudio-3825529-scaled-1-1536x1097.jpg 1536w, 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class="elfsight-app-c4b3e3d9-fee0-4f09-9171-2d846caba232"></div> <div class="elfsight-app-1b08c970-2e04-438d-908a-3ad6eb7848fa"></div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-3e7931fc elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="3e7931fc" 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-1a37b0d4" data-id="1a37b0d4" 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-de0464f elementor-widget elementor-widget-global elementor-global-8290 elementor-widget-html" data-id="de0464f" data-element_type="widget" data-widget_type="html.default"> <div 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="3154" class="elementor elementor-3154" 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">Student Nurse Mortgage</h1> </div> </div> <div class="elementor-element elementor-element-e8bae3f elementor-widget elementor-widget-text-editor" data-id="e8bae3f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>Everything you need to know about getting a Student 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="3154"/> <input type="hidden" name="form_id" value="da39d98"/> <input type="hidden" name="referer_title" value="Student Nurse Mortgage - Albion Forest Mortgages" /> <input type="hidden" name="queried_id" value="3154"/> <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-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 You Get A Student Nurse Mortgage?</span></h2><p><span style="font-weight: 400">Yes you can! Or rather there are mortgages that are perfect for a Student Nurse Mortgage. When you are a student you likely have complicated income that many lenders won’t accept. For example you may have bursary income that is non standard. You may also be doing agency work whilst training.</span></p><p><span style="font-weight: 400">If you are considering a student nurse mortgage you will probably need a specialist mortgage advisor to guide you through the process. It is also important that you case is packaged correctly for the lender to give the best chance of approval.</span></p><h2><span style="font-weight: 400">Do Nurses Get Special Mortgages?</span></h2><p><span style="font-weight: 400">Sort of. Nurses may have access to specialist products for Key Workers that others may not have access to. However they may not always be the best choice for you. When you’re considering getting a mortgage it’s important to consider all your options. This is why most people save money by using a Mortgage Advisor.</span></p><h2><span style="font-weight: 400">What Mortgage Can A Nurse Afford?</span></h2><p><span style="font-weight: 400">This will vary depending on lots of factors. Your income being the biggest one. Where does your income come from, is it all from one employer? Also it may not just be a basic wage, you likely have overtime, night pay etc. Working out how much you can afford isn’t as simple as many people think. However if you can spare us ten minutes over the phone we can tell you, and we will do it for free.</span></p><h2><span style="font-weight: 400">Why Do Nurses Struggle To Find Suitable Mortgages?</span></h2><p><span style="font-weight: 400">Usually due to your income being complicated. As we mentioned before you will probably have different aspects of your income. Some lenders may only take 50% or 30% of additional income streams like overtime or night pay. However some certainly do take 100% of these, so it’s worth speaking to a professional to find out which is best for you.</span></p><h2><span style="font-weight: 400">Can A Newly Qualified Nurse Get A Mortgage?</span></h2><p><span style="font-weight: 400">Absolutely. When you are <a href="https://advisersassemble.co.uk/albionforest/key-worker-mortgage/newly-qualified-nurse-mortgage/" target="_blank" rel="noopener">newly qualified</a> you may be on a shorter term contract and you probably have student debt to repay. However there are lenders that understand this and will still lend to you. You will also probably have less income evidence than someone that has been employed for years.</span></p> </div> </div> <div class="elementor-element elementor-element-5a0379e elementor-widget elementor-widget-video" data-id="5a0379e" data-element_type="widget" data-settings="{&quot;youtube_url&quot;:&quot;https:\/\/youtu.be\/TfQNARLrUWc&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-cf55aa5 elementor-widget elementor-widget-text-editor" data-id="cf55aa5" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400">How Much Deposit Will A Student Nurse Need?</span></h2><p><span style="font-weight: 400">You’ll usually need at least 5%, however the more the better. With a 5% deposit your options will be quite limited. If you can, try and get a 10% deposit and you will have many more options.</span></p><h2><span style="font-weight: 400">Can I Get A Mortgage As A Bank Nurse?</span></h2><p><span style="font-weight: 400">Yes! However lots of lenders don’t like Bank work as it can be unstable. Some lenders however understand that many medical professionals do this. You may need to provide more evidence and if you’ve just started Bank work you may not be able to use this income.</span></p><h2><span style="font-weight: 400">What Schemes Are Available For A Student Nurse Mortgage?</span></h2><h3><span style="font-weight: 400">Government First Homes Scheme</span></h3><p><span style="font-weight: 400">The <a href="https://advisersassemble.co.uk/albionforest/key-worker-mortgage/key-workers-scheme/" target="_blank" rel="noopener">Government First Homes Scheme</a> has not been released yet. What we do know is that it will be a minimum 30% discount on an eligible New build property. The government have said it will be for First Time Buyers and <a href="https://advisersassemble.co.uk/albionforest/key-worker-mortgage/key-worker-mortgage-scheme-for-nurses/" target="_blank" rel="noopener">Key Workers</a>. Making it the go to for a Student Nurse Mortgage.</span></p><h3><span style="font-weight: 400">Government Help to Buy Scheme</span></h3><p><span style="font-weight: 400">This <a href="https://www.helptobuy.gov.uk/" target="_blank" rel="noopener">scheme</a> is for First Time Buyers. It offers a 20% equity loan, interest free for five years. This allows you to get a 5% deposit and a 75% mortgage, often getting you a better rate than</span></p><h3><span style="font-weight: 400">Shared Ownership Scheme</span></h3><p><span style="font-weight: 400">The Shared Ownership Scheme allows you to part rent and part buy your home. This means you need a lower deposit and can get on the property ladder with a lower income.</span></p><h2><span style="font-weight: 400">How Can I Compare Student Nurse Mortgage Providers?</span></h2><p><span style="font-weight: 400">You can go to each lender and get their product information, these are the go to lenders for a Student Nurse Mortgage:</span></p><ul><li style="font-weight: 400"><span style="font-weight: 400">Nationwide</span></li><li style="font-weight: 400"><span style="font-weight: 400">Halifax</span></li><li style="font-weight: 400"><span style="font-weight: 400">Tsb</span></li><li style="font-weight: 400"><span style="font-weight: 400">Leeds Building Society</span></li><li style="font-weight: 400"><span style="font-weight: 400">Santander</span></li><li style="font-weight: 400"><span style="font-weight: 400">Barclays</span></li><li style="font-weight: 400"><span style="font-weight: 400">Aldermore</span></li><li style="font-weight: 400"><span style="font-weight: 400">West Brom</span></li><li style="font-weight: 400"><span style="font-weight: 400">Virgin Money</span></li></ul><p><span style="font-weight: 400">However you would probably find it easier to let a Mortgage Advisor do this for you. Most people save money by using a Mortgage Advisor as well.</span></p><h2><span style="font-weight: 400">Student Nurse Mortgage Calculators</span></h2><p><span style="font-weight: 400">We don’t have a Student Nurse Mortgage calculator. There is too much going on with a Nurse’s income to have a simple one. However we can tell you, it’ll take us around ten minutes over the phone to work it out for you, and we’ll do it for free. If you would like to know how much you can borrow get in touch and we’ll tell you.</span></p><h2><span style="font-weight: 400">How Does Student Debt Affect Mortgage?</span></h2><p><span style="font-weight: 400">Student loans can affect how much you can borrow. In fact your overall debt affects it. If you have credit cards, hire purchase agreements etc. they will all be taken into account for a mortgage. Different lenders will look at debt differently, so it may reduce what you can borrow with one but not with another.</span></p><h2><span style="font-weight: 400">Can Mature Students Get A Student Nurse Mortgage?</span></h2><p><span style="font-weight: 400">Yes absolutely! In the same way as everyone else can get a mortgage usually. If you are a Mature student your income may be complicated, you may have bursary income or bank work income.</span></p><p><span style="font-weight: 400">Lenders review Mature students the same as everyone else, that said some lenders will take your various aspects of income better than others.</span></p><h2><span style="font-weight: 400">Types of Student Nurse Mortgage Available</span></h2><h3><span style="font-weight: 400">Fixed rate mortgages</span></h3><p><span style="font-weight: 400">Fixed rate mortgages are probably the most popular type of mortgage. Your rate of interest is fixed for a set amount of time. This means that your monthly payments are the same each month giving stability. However this type of mortgage will often have an early repayment charge attached to it. Therefore if you try to redeem the mortgage in this fixed rate period you have to pay a fee.</span></p><h3><span style="font-weight: 400">Tracker rate mortgages</span></h3><p><span style="font-weight: 400">Tracker rate mortgages generally track the Bank of England Base rate. This means as the base rate goes up and down over time your monthly payments will do the same. These types of mortgages often don’t have early repayment charges so can be quite flexible.</span></p><h3><span style="font-weight: 400">Discount rate mortgages</span></h3><p><span style="font-weight: 400">Similar to Tracker rate mortgages, discount mortgages are variable. They tend to be a discount on the lender&#8217;s standard variable rate. This therefore means as the lender adjusts their variable rate your interest rate goes up and down as well. Therefore your monthly payments go up and down too. Like tracker rate mortgages they often won’t have early repayment fees making them more flexible.</span></p><h3><span style="font-weight: 400">Got A Question We Haven’t Answered? Try Our Main <a href="https://advisersassemble.co.uk/albionforest/key-worker-mortgage/" target="_blank" rel="noopener">Key Worker Page</a> Or <a href="https://advisersassemble.co.uk/albionforest/key-worker-mortgage/mortgages-for-nurses/" target="_blank" rel="noopener">Nurse Mortgages</a> Page. We Have Lots Of Pages For Nurses, Check Them Out!</span></h3> </div> </div> <div class="elementor-element elementor-element-3f2a565 elementor-widget elementor-widget-image" data-id="3f2a565" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="571" src="https://albionforest.co.uk/wp-content/uploads/2020/12/pexels-rfstudio-3825529-scaled-1-1024x731.jpg" class="attachment-large size-large wp-image-2360" alt="student nurse mortgage" srcset="https://albionforest.co.uk/wp-content/uploads/2020/12/pexels-rfstudio-3825529-scaled-1-1024x731.jpg 1024w, https://albionforest.co.uk/wp-content/uploads/2020/12/pexels-rfstudio-3825529-scaled-1-300x214.jpg 300w, https://albionforest.co.uk/wp-content/uploads/2020/12/pexels-rfstudio-3825529-scaled-1-768x548.jpg 768w, https://albionforest.co.uk/wp-content/uploads/2020/12/pexels-rfstudio-3825529-scaled-1-1536x1097.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%);" 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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 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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 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Student Nurse Mortgage

Everything you need to know about getting a Student 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 You Get A Student Nurse Mortgage?

Yes you can! Or rather there are mortgages that are perfect for a Student Nurse Mortgage. When you are a student you likely have complicated income that many lenders won’t accept. For example you may have bursary income that is non standard. You may also be doing agency work whilst training.

If you are considering a student nurse mortgage you will probably need a specialist mortgage advisor to guide you through the process. It is also important that you case is packaged correctly for the lender to give the best chance of approval.

Do Nurses Get Special Mortgages?

Sort of. Nurses may have access to specialist products for Key Workers that others may not have access to. However they may not always be the best choice for you. When you’re considering getting a mortgage it’s important to consider all your options. This is why most people save money by using a Mortgage Advisor.

What Mortgage Can A Nurse Afford?

This will vary depending on lots of factors. Your income being the biggest one. Where does your income come from, is it all from one employer? Also it may not just be a basic wage, you likely have overtime, night pay etc. Working out how much you can afford isn’t as simple as many people think. However if you can spare us ten minutes over the phone we can tell you, and we will do it for free.

Why Do Nurses Struggle To Find Suitable Mortgages?

Usually due to your income being complicated. As we mentioned before you will probably have different aspects of your income. Some lenders may only take 50% or 30% of additional income streams like overtime or night pay. However some certainly do take 100% of these, so it’s worth speaking to a professional to find out which is best for you.

Can A Newly Qualified Nurse Get A Mortgage?

Absolutely. When you are newly qualified you may be on a shorter term contract and you probably have student debt to repay. However there are lenders that understand this and will still lend to you. You will also probably have less income evidence than someone that has been employed for years.

How Much Deposit Will A Student Nurse Need?

You’ll usually need at least 5%, however the more the better. With a 5% deposit your options will be quite limited. If you can, try and get a 10% deposit and you will have many more options.

Can I Get A Mortgage As A Bank Nurse?

Yes! However lots of lenders don’t like Bank work as it can be unstable. Some lenders however understand that many medical professionals do this. You may need to provide more evidence and if you’ve just started Bank work you may not be able to use this income.

What Schemes Are Available For A Student Nurse Mortgage?

Government First Homes Scheme

The Government First Homes Scheme has not been released yet. What we do know is that it will be a minimum 30% discount on an eligible New build property. The government have said it will be for First Time Buyers and Key Workers. Making it the go to for a Student Nurse Mortgage.

Government Help to Buy Scheme

This scheme is for First Time Buyers. It offers a 20% equity loan, interest free for five years. This allows you to get a 5% deposit and a 75% mortgage, often getting you a better rate than

Shared Ownership Scheme

The Shared Ownership Scheme allows you to part rent and part buy your home. This means you need a lower deposit and can get on the property ladder with a lower income.

How Can I Compare Student Nurse Mortgage Providers?

You can go to each lender and get their product information, these are the go to lenders for a Student Nurse Mortgage:

  • Nationwide
  • Halifax
  • Tsb
  • Leeds Building Society
  • Santander
  • Barclays
  • Aldermore
  • West Brom
  • Virgin Money

However you would probably find it easier to let a Mortgage Advisor do this for you. Most people save money by using a Mortgage Advisor as well.

Student Nurse Mortgage Calculators

We don’t have a Student Nurse Mortgage calculator. There is too much going on with a Nurse’s income to have a simple one. However we can tell you, it’ll take us around ten minutes over the phone to work it out for you, and we’ll do it for free. If you would like to know how much you can borrow get in touch and we’ll tell you.

How Does Student Debt Affect Mortgage?

Student loans can affect how much you can borrow. In fact your overall debt affects it. If you have credit cards, hire purchase agreements etc. they will all be taken into account for a mortgage. Different lenders will look at debt differently, so it may reduce what you can borrow with one but not with another.

Can Mature Students Get A Student Nurse Mortgage?

Yes absolutely! In the same way as everyone else can get a mortgage usually. If you are a Mature student your income may be complicated, you may have bursary income or bank work income.

Lenders review Mature students the same as everyone else, that said some lenders will take your various aspects of income better than others.

Types of Student Nurse Mortgage Available

Fixed rate mortgages

Fixed rate mortgages are probably the most popular type of mortgage. Your rate of interest is fixed for a set amount of time. This means that your monthly payments are the same each month giving stability. However this type of mortgage will often have an early repayment charge attached to it. Therefore if you try to redeem the mortgage in this fixed rate period you have to pay a fee.

Tracker rate mortgages

Tracker rate mortgages generally track the Bank of England Base rate. This means as the base rate goes up and down over time your monthly payments will do the same. These types of mortgages often don’t have early repayment charges so can be quite flexible.

Discount rate mortgages

Similar to Tracker rate mortgages, discount mortgages are variable. They tend to be a discount on the lender’s standard variable rate. This therefore means as the lender adjusts their variable rate your interest rate goes up and down as well. Therefore your monthly payments go up and down too. Like tracker rate mortgages they often won’t have early repayment fees making them more flexible.

Got A Question We Haven’t Answered? Try Our Main Key Worker Page Or Nurse Mortgages Page. We Have Lots Of Pages For Nurses, Check Them Out!

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