Ndubuisi 'Andy' Egwim explains why NHS doctors need a specialist mortgage advisor. Lifetime ISA doesn't start at 40, there's no dedicated NHS mortgage scheme, and most lenders don't understand doctors' irregular income patterns without expert help.
No. The speaker says, "Lifetime. ISA does not start at 40."
No. The speaker states there is "no current specific NHS mortgage scheme."
Lifetime. ISA does not start at 40. But although there is no current specific NHS mortgage scheme, several UK government schemes can assist key workers, including NHS staff, in getting on the property ladder. And I need to push down my table there. Now, working with an in a very experienced independent mortgage advisor. Look at the keywords they are experienced independent mortgage advisor again, who has expertise in dealing with NHS staff and can assess the whole market can be highly beneficial. So this is not the same as just going to one bank or one particular lender. You want to go to someone who can check the whole market and also understands working with you as a doctor. Because our income structures can can confuse mortgage advisors who don't tend to understand it quite properly.
