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.
I don’t normally write reviews, but Elaine truly deserves this. I first discovered Elaine on TikTok, where she shared that NHS bank work could be a positive factor in a mortgage application. That video changed my mindset and made me believe that owning my own home was possible. I reached out to Elaine, and from day one she was kind, patient, approachable, and genuinely supportive. She guided me through every step of the mortgage process, explained everything clearly, and worked hard to secure my mortgage offer. What makes Elaine special is that her support didn’t stop after the offer was received. She continued to check in, provide advice, and go the extra mile. She truly cares about her clients and wants to see them succeed. I am grateful for the role she has played in helping me move closer to achieving my dream of owning a home. If you are looking for a mortgage broker who is knowledgeable, trustworthy, and genuinely cares, I highly recommend Elaine.
16 July 2026
We cannot thank Elaine Buck at Penguin Mortgages enough for the outstanding support, dedication and expertise she showed throughout our remortgage journey. As two NHS staff members, we knew our situation was not the simplest case. After having difficulties with other mortgage advisors previously and feeling like our circumstances were not fully understood, we were unsure whether we would be able to achieve the outcome we had been working towards. Finding Elaine and Penguin Mortgages was a turning point. Penguin’s specialist knowledge of NHS staff and the complexities around NHS income, payslips, enhancements and the way NHS employees are paid made such a difference. Elaine genuinely understood our circumstances and knew how to approach our case in a way that other advisors had not been able to. From the very beginning, Elaine was exceptional. She took the time to listen, understand every detail of our situation, and explain everything clearly. Mortgage processes can be overwhelming, but Elaine has an incredible ability to break down complicated information and make it easy to understand, giving us confidence every step of the way. She was patient, professional, approachable and always available to answer our questions. Nothing ever felt like too much trouble. Elaine kept us updated, guided us through each stage, and made what could have been a very stressful experience feel seamless and manageable. Most importantly, Elaine went above and beyond. She didn’t just find us a mortgage solution — she fought to secure the result we had been hoping for despite our challenging circumstances. After previous setbacks, she achieved what others could not, and we are incredibly grateful for her commitment, knowledge and determination. We honestly could not recommend Elaine and Penguin Mortgages highly enough. If you are NHS staff and looking for a mortgage advisor who truly understands your situation, listens to you and genuinely cares about getting the best outcome, Elaine is the person you want on your side. Thank you so much, Elaine — your support has meant more than you know. 💙
27 June 2026
I had an excellent experience working with Elaine at Penguin Mortgages. She is always happy to help and took the time to answer every question thoroughly and clearly. Her advice was detailed, professional, and made the whole process much easier to understand. They were also incredibly friendly and quick to respond. I really appreciated their support and would highly recommend them to anyone looking for reliable and knowledgeable mortgage advice.
22 May 2026
We honestly cannot thank Elaine enough for everything she did for us during our home-buying journey. After a very frustrating experience with the developer’s advisor, who made the process stressful and unhelpful, Elaine completely turned things around for us. She was professional, patient, knowledgeable, and always ready to support us every step of the way. Elaine kept us informed throughout the process, explained everything clearly, and genuinely fought to get the best outcome for us. What once felt impossible became possible because of her dedication and hard work. If you are looking for a mortgage advisor who actually cares about her clients and goes above and beyond, I highly recommend Elaine. Thank you again for coming through for us
19 May 2026
Elaine helped us get a mortgage. She was on hand all the way through. Every worry or concern I had and every step of the way she was a message or call away. I would 1000% recommend Elaine! I never thought I'd be able to get a mortgage but thanks to Elaine we will be moving in to our new home shortly.
7 April 2026
