NHS Mortgages & Insurance

As specialists in mortgage and insurance policies for NHS workers based in Kent, we’ll make sure you get the right advice at the right price.

Free Mortgage Advice - Usually £695 

First 2 Months Free On All Insurance Policies 

Specialised policies for NHS

Best price guaranteed

Hassle-free application

Why Choose Us?

Fast Decisions

Here at More Than Money we specialise in advice for people who work for the NHS in the Kent area.

Our specialist knowledge means we won’t waste your time by applying to lenders or insurers who aren’t going to accept you or are going to hike up your premiums.
Plus, we’ll be able to ask you all the right questions up front and avoid all the to-ing and fro-ing that you’re likely to experience if you talk to someone who isn’t a NHS expert.

Price Match Promise

We’re so confident in our ability to find you the right mortgage or insurance policy at the right price that we offer a price match promise. This means that we’ll match or beat any equivalent quote that you find elsewhere.

Peace of Mind

People who work for the NHS, know it can be difficult at times to get a mortgage or find the right protection.

That’s why you should talk to us before you take out a mortgage or insurance policy. Our expert knowledge of both the mortgage & insurance market and of the way NHS staff are paid means that we can get you accepted at the best price possible.

No Call Centres

More Than Money was founded by a father-and-sons team who were fed up with hearing how NHS workers kept receiving bad advice that led to them getting turned down for mortgages or income protection or ending up with the wrong kind of cover.

We’ve remained family-run to this day, with no call centres. That means that you’ll always speak directly to a named UK-based advisor who can give you the accurate and personalised advice that you need to ensure you get the right cover at the right price.

Client Testimonials

How You Can Make Sure You Get the Right Cover at the Right Price

1. Contact us

Complete our simple online form and one of our experts will call you back

2. We’ll search for your best deal

Right after we’ve taken a few details, we’ll start searching our panel of providers to find the one that’s right for you

3. We’ll handle everything

Once we’ve helped you pick the right option and the right price we’ll take care of all the paperwork for you

4. …until your application is accepted

By asking you the right questions and picking the best provider, we’ll make sure you get accepted without any fuss

About Us

At More Than Money we're all about our family looking after your family. When the three of us - the bearded trio of Andy Stevens and his twin sons, Sam and Luke - started this business in Kent we were determined to make life easier for NHS staff to get the right mortgage or insurance to protect themselves and their loved ones.

All too often, people who work in the NHS end up buying the wrong kind of mortgage or protection from inexperienced financial advisers who give poor advice. And by the time these errors come to light, it's often too late. We're here to change that.

We work across the whole of the UK. So whether you want to come and see us in our offices in Ashford in Kent, or talk to us via phone or Zoom, we're here to make sure that as many NHS workers as possible can discover how to insure themselves, their family, and their homes properly and cost-effectively.

NHS Staff Benefits FAQs

What options can you advice me on?

We can advise on all mortgages and have access to all lenders plus specialist lenders who are more likely to accept NHS workers. This includes re-mortgages and by to lets. 

We also advise on Life Insurance, Critical Illness Cover and Income Protection for NHS workers. 

Do I have to make a decision on the first call?

No. Never.

This is one of our core values to never ‘sell’ to someone and never ask them to decide on the first call.

We train all our advisors to this standard and will always allow you the time and space to decide in your own time.

How much will this cost me?

This is completely down to you and your budget.

If it's a mortgage you are after, we will find you a mortgage based on your affordability with monthly repayments which you can afford.

If it's insurance, there are no set premiums as it’s based on how much cover you need and your personal circumstances.

The average premium according to MoneyAdviceService is £18.35 per month, however this can vary depending upon age group, health factors and job types.

How do you contact me?

We are based in Ashford, Kent. So we can either call you, email you, zoom you or you can come to our office if you don't mind driving down.

How quickly can I get covered?

In a lot of cases when it comes to insurance, we can get you covered in less than 24 hours.

When it comes to mortgages it's typically 30 days for a new mortgage or a lot sooner for a re-mortgage. 

Do you charge any upfront advice fees?

No. You will only ever pay your monthly direct debit to the mortgage lender or insurance company.

NHS Staff Benefits

Specialised policies for NHS

Best price guaranteed

Hassle-free application

More Than Money is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Registered as a Company in England and Wales No. 11698896. Registered Office: Henwood House, Henwood, Ashford, Kent TN24 8DH.

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