The mortgage experts who understand
how you really get paid
Enhancements, overtime, locum shifts, shift allowances, we know your payslip inside out, and we know exactly which lenders will give you the most for it.
Your payslip looks different to most. Enhancements, AFC payments, bank shifts, many lenders don't know what to do with them. We do.
Night duty enhancements, weekend pay, and bank nursing income are real earnings. We match you with lenders who count every penny of your income.
Newly qualified, locum, or senior, we access professional mortgage products offering higher income multiples that reflect your career trajectory, not just today's payslip.
Physiotherapists, radiographers, paramedics, pharmacists, mixed NHS and private work is our speciality. We maximise your borrowing power whatever your mix.
Whether you're in admin, HR, IT, portering, or catering, if the NHS appears on your payslip, you deserve specialist advice. We've helped clients at all NHS bands.
Based on typical 4.5×–5× income multiples. Your actual amount depends on deposit, credit history, and outgoings. Speak to Elaine for a personalised figure.
Your payslip looks different to most. We understand it.
If you are looking for a hassel free process with your mortgage, I would highly recommend you use Penguin Mortgages. Elaine made things simple by dealing with the application and getting me the best deal for my need. 5-star.
26 May 2025
Excellent and seamless experience with Elaine. She is very professional and supportive, tons of communication and support is present from her end. She has explained me every bit of the process and managed everything for me. I highly recommend her to anyone who is looking to get a mortgage.
23 January 2025
Elaine made my mortgage experience a truly seamless one. Her expertise and guidance made the entire process incredibly smooth. She was always available to answer questions (even via WhatsApp). I felt supported and informed every step of the way. I highly recommend Penguin Mortgages.
11 January 2025
Elaine was incredibly helpful and patient throughout our journey as first-time homebuyers. She made the mortgage process seamless by addressing our numerous questions with professionalism and clarity. Her consistent updates and prompt responses kept us informed every step of the way. We couldn’t have asked for a better experience. Highly recommend Elaine for her outstanding service!
24 December 2024
I could not recommend Elaine at Penguin mortgages enough. Elaine has been fantastic throughout and worked thoroughly through all options available to me.
5 December 2024
