The pilot applies to a range of NHS and private sector roles, including clinical professionals, carers, porters, administrators, and support staff.

The society says the initiative is designed to make it easier for individuals on agency, contract or zero-hour arrangements to access mortgage lending.

As part of the pilot, the mutual will consider 100% of verified agency income when assessing affordability for healthcare workers, where the applicant can demonstrate consistent income over a minimum three-month period.

This includes zero-hours contracts and multiple income sources where continuity and sustainability can be evidenced.

For applicants with a combination of agency and employed income, both income streams will be taken into account.

Nottingham Building Society has also introduced enhancements across its foreign national and expat mortgage range.

These include stress rate reductions of up to 0.25% across selected products, fixed-rate mortgage options available up to 90% loan-to-value (LTV), with two- and five-year products starting from 5.19%.

There is also no product fees on selected mortgages and all products are portable.

Nottingham Building Society sales director Matt Kingston says: “This pilot programme is our initial response to support [foreign national healthcare workers] and is designed to better reflect the realities of how they work and earn, and to give them a fairer opportunity to access homeownership.”