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 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