Key Worker Mortgages
Teachers, police officers, firefighters, NHS staff — you keep our communities running. Some mortgage lenders recognise this and offer products specifically designed for key workers.
These specialist mortgages can offer benefits like higher borrowing limits, lower deposits, or more flexible income assessments — helping you buy a home that might otherwise be out of reach.
Book a Free Consultation"Being self-employed, I was worried about getting a mortgage, but Rob made it seem effortless. He knew exactly which lenders to approach and guided me through every step. I couldn't be happier with the outcome."
Sarah Jenkins
Who Qualifies as a Key Worker?
Different lenders have different definitions, but key worker mortgages are typically available to:
Also typically eligible: Armed Forces, Social Workers, and Prison Officers.
Benefits of Key Worker Mortgages
Lenders offer preferential terms to key workers because your jobs are seen as secure with reliable income progression. Benefits can include:
- Higher income multiples — borrow up to 5x or even 6x your salary instead of the standard 4-4.5x
- Overtime and shift allowances included — many lenders will count regular overtime, unsocial hours payments, and other allowances
- Lower deposits accepted — some schemes accept 5% deposits
- Flexible affordability assessments — taking into account future pay progression
Teachers
Teaching comes with a clear salary structure and strong job security, which lenders like. I can help with:
- Getting a mortgage on a newly qualified teacher's starting salary
- Including TLR payments, SEN allowances, and other additions
- Supply teachers with variable income
Police Officers
Police work often involves shift patterns and overtime that can complicate mortgage applications. Some lenders understand this and will include:
- Overtime pay (if regular)
- Shift allowances and unsocial hours payments
- London weighting or regional allowances
Firefighters
Firefighters benefit from being seen as essential workers with secure employment. Lenders like Kensington offer 'Hero' products specifically for emergency services, potentially allowing:
- Borrowing up to 5x income
- Second job income to be included (with 6 months history)
- Consideration for retained firefighters with variable hours
Frequently Asked Questions
Need Expert Advice?
Whether you're a teacher, police officer, firefighter, or work in another key worker role, I can help you understand your mortgage options. Book a free chat to get started.
Book a Free ConsultationYour home may be repossessed if you do not keep up repayments on your mortgage.
