Nursing then mortgage or stay healthcare assistant and get a mortgage? Watch

glamourprincess
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Hi just been offered a healthcare apprenticeship at the hospital which is 18 months for band 2 and 24 months for band 3 and was wondering if I should do the apprenticeship and work for a few years before taking an access to nursing course and nursing degree once I get my maths then get a mortgage when working as a nurse or is it better to stay as a healthcare assistant and just get a mortgage sooner plus I don’t know how mortgage is affected if I stop to have kids and if I went to uni was going to save 60000 for course and rent costs rather than taking the student loan and I live in a rented council accommodation so do have bills to pay should I still pursue nursing or just get a mortgage though I’m 24?
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claireestelle
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(Original post by glamourprincess)
Hi just been offered a healthcare apprenticeship at the hospital which is 18 months for band 2 and 24 months for band 3 and was wondering if I should do the apprenticeship and work for a few years before taking an access to nursing course and nursing degree once I get my maths then get a mortgage when working as a nurse or is it better to stay as a healthcare assistant and just get a mortgage sooner plus I don’t know how mortgage is affected if I stop to have kids and if I went to uni was going to save 60000 for course and rent costs rather than taking the student loan and I live in a rented council accommodation so do have bills to pay should I still pursue nursing or just get a mortgage though I’m 24?
a band 2 salary vs a band 5 salary would be a big difference for getting a mortgage, at the time of getting a mortgage when i was 22 and my husband 26, we managed to get one with a combined 30k salary at 5% deposit for 140k but that was only possible because it was more than 30 years term. so i'd look into how likely it would be to get one alone on a hca salary as in many parts of the country you couldn't get much for 100k.
you'd never pay back your student loan debt as a nurse so don't see it as a 60k debt, more like a £30 a month tax.
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plainjayne1
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Speak to a mortgage advisor. Always take the loan.
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glamourprincess
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(Original post by claireestelle)
a band 2 salary vs a band 5 salary would be a big difference for getting a mortgage, at the time of getting a mortgage when i was 22 and my husband 26, we managed to get one with a combined 30k salary at 5% deposit for 140k but that was only possible because it was more than 30 years term. so i'd look into how likely it would be to get one alone on a hca salary as in many parts of the country you couldn't get much for 100k.
you'd never pay back your student loan debt as a nurse so don't see it as a 60k debt, more like a £30 a month tax.
Okay thanks
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glamourprincess
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(Original post by plainjayne1)
Speak to a mortgage advisor. Always take the loan.
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NickMbugua
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i swear healthcare assistants dont earn as much as nurses
my mum is a healthcare assistant and she always wanted to be a nurse for that higher wage but never got the chance to go back to school to get the nursing degree unfortunately
tbh think more longterm, i think future you might be more happy if you chose to be a nurse and secured that higher salary overall
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glamourprincess
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Thanks

(Original post by NickMbugua)
i swear healthcare assistants dont earn as much as nurses
my mum is a healthcare assistant and she always wanted to be a nurse for that higher wage but never got the chance to go back to school to get the nursing degree unfortunately
tbh think more longterm, i think future you might be more happy if you chose to be a nurse and secured that higher salary overall
thanks for your advice really appreciate it I will do healthcare for a few years for the experience then try get into nursing
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