These figures give you a starting point based on basic Agenda for Change salaries. The real figure, once enhancement pay and regular overtime are added, could be significantly higher.
The figures below are based on the midpoint of each Agenda for Change band for 2024/25 in England. Borrowing figures are indicative only, based on a standard 4.5x income multiplier. The actual figure a lender will offer depends on your individual circumstances, outgoings, credit profile and which lender we match you to. Enhancement pay and regular bank shifts are not included in these base figures and for many NHS workers, those additions make a very significant difference.
| AFC Band | Typical Role Examples | Midpoint Salary | Indicative Borrowing (4.5x) |
|---|---|---|---|
| Band 2 | Healthcare Assistant, Domestic, Porter | £23,615 | Up to £106,267 |
| Band 3 | Senior HCA, Medical Secretary, Administrator | £25,147 | Up to £113,161 |
| Band 4 | Assistant Practitioner, Team Administrator | £27,269 | Up to £122,710 |
| Band 5 | Staff Nurse, Newly Qualified AHP, Paramedic | £30,615 | Up to £137,767 |
| Band 6 | Senior Nurse, Senior Physiotherapist, Senior Paramedic | £37,338 | Up to £168,021 |
| Band 7 | Nurse Manager, Advanced Practitioner, Team Lead | £46,148 | Up to £207,666 |
| Band 8a | Lead AHP, Senior Manager, Specialist Consultant | £56,388 | Up to £253,746 |
| Band 8b | Head of Service, Consultant Practitioner | £66,718 | Up to £300,231 |
| Band 8c/d | Director, Deputy CEO, Chief of Service | £82,000+ | Up to £369,000+ |
These figures are based on basic salary only. For many NHS workers, regular enhancements and bank shifts add thousands to their usable income. A Band 5 nurse working regular nights and weekends could be working with a substantially higher figure than shown above. We will calculate your actual position accurately before any application is submitted.
Lenders look at your committed outgoings as well as your income. Credit card balances, car finance, loans and other financial commitments all reduce your maximum borrowing. Reducing these before applying can make a meaningful difference.
A clean credit file with a history of responsible borrowing will give you access to the widest range of lenders and the most competitive rates. Any adverse markers will narrow the field but rarely rule it out entirely.
The larger your deposit relative to the purchase price, the lower your loan to value ratio and the better the rates you will qualify for. Even moving from 10% to 15% deposit can open up meaningfully better deals.
Substantive employment, bank only contracts, locum work and fixed term contracts are all treated differently. We will identify which lenders are right for your specific employment arrangement.
"I looked at the band salary tables online and was disheartened at what I thought I could borrow. When Elaine looked at my actual payslips and included my enhancement pay, the real figure was nearly forty thousand pounds higher. That changed everything for me."
We will calculate your accurate figure in your first free call. 🐧
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
I was referred by someone who spoke highly of Elaine's services, and I must say that Elaine's services was nothing short of expectations, if anything at all, my referee didn't do justice to explaining how beyond excellent her services are. Elaine held my hands throughout the process and even assured me, I can always come back to her anytime. I can't count the number of times I sent her a message or called her out of hours, and she was always happy to help. Her professional and communication skills are top-notch, and she was so graceful in her approach, even at times when I was a bit confused. Thank you so much Elaine, you will always come highly recommended in my books.
3 February 2026
Elaine is professional and having excellent communication skills and well experienced. Elaine has earned my trust 💯. She made me feel at home with all her advice as she gives you the best you can get anywhere. I will recommend her anytime to anybody.
16 January 2026
