@christian39 I see that you’re 19 and I understand the optimism that’s at play but a few things to consider:
1) the assumption that you’ll immediately get on a hugely competitive PhD course straight from your integrated Master’s course without even knowing how you’ll get on from second year onwards is a lot of pressure on yourself.
2) as others have said, a PhD stipend won’t count against mortgage borrowing. I have three fellow PhD student friends who have bought homes in the past two years and all of their mortgages were lent on their partners’ salaries only.
3) the beauty of the NHS (or indeed academia, should you choose to go that way) is that you can move basically anywhere in the country that your skills are needed. The flipside of this is that mobility and flexibility are often a requirement to chase the best roles and owning a home can reduce this flexibility - having to sell up or find a tenant to move for a new job adds a layer of stress that others won’t have. You might consider waiting until you find the right job to put your money into property.
4) you say you’ll earn £~5k a year with your campus job. Why not just use the maintenance loan for its intended purpose (rent; food; fun) and save your salary plus the bursary? Then ok, you’re saving £~3k per year less but coming out of undergrad with almost £20k is nothing to be sniffed at. You can then top up with savings as you start to work (or while PhDing can top up with marking and casual teaching).