NHS staff and airline professionals often have income structures - shift allowances, overtime, flight pay - that standard lenders underweight. Specialist lenders understand these income patterns and some offer enhanced multiples for key workers. We present your income to maximise the figure lenders will use.
NHS key worker lending
NHS income often includes regular overtime, banding and shift allowances that some lenders accept in full while others discount. We present your NHS income - payslips plus a letter confirming allowances - to lenders that use the full figure.
- Overtime, banding and shift allowances accepted
- Employer letter confirming allowances
- Lenders that use full NHS income identified
Airline & aviation professionals
Pilots and cabin crew have flight pay, allowances and sometimes variable rosters. We know which lenders accept aviation income patterns and present your earnings in the format they require.
- Flight pay and allowances evidenced
- Variable roster income presented correctly
- Aviation-friendly lenders identified
