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 honestly couldn’t recommend Elaine from Penguin Mortgages highly enough! As a first-time buyer, I had no idea what to expect and initially found the whole mortgage process quite overwhelming, but Elaine made everything feel incredibly simple and stress-free. She found me a great mortgage rate, explained everything clearly and patiently, and was always there whenever I had a question. She also helped me through all the paperwork and made sure I understood what was happening at every stage. What could have been a really stressful process was made super easy thanks to Elaine. I felt completely supported from start to finish and knew I was in safe hands. I’m so grateful for all her help and would 100% recommend Elaine to anyone looking for a mortgage broker, especially if you’re a first-time buyer. Thank you so much, Elaine!
11 September 2026
I highly recommend Elaine my mortgage adviser. Throughout what has been quite a long mortgage process, she has been incredibly patient, calm, approachable and professional. She was always quick to respond, persistent in chasing things up and determined to help me get answers whenever they were needed. Her support and reassurance throughout the whole process made such a difference. This morning, I finally received the wonderful news that my mortgage offer has been approved, and I am truly grateful for all her hard work, patience and dedication in helping me get to this point. Thank you so much for your exceptional service. I would happily recommend you to anyone looking for a knowledgeable, reliable and genuinely supportive mortgage adviser.
10 September 2026
Elaine was amazing throughout our whole mortgage experience. Any time we had questions, she would message us back immediately and put our minds at rest. She was extremely knowledgeable about all aspects and knew the answer for all of our worries and questions. Elaine was very personable throughout our experience and was very happy for us when everything was approved. I would highly recommend Elaine.
28 July 2026
I cannot thank Elaine enough for all the work they have put in to help me with my first time buying a property. They took a lot of the stress off of me by organising the mortgage and solicitors, which was a huge help. Elaine kept me up to date throughout the process and was more than happy to answer any questions I had. Thank you again Elaine.
16 July 2026
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