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 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
