Mortgages for social workers
Mortgages for social workers
Social workers often move between councils, health and social care partnerships and agencies, and some work part time or on flexible hours. Tony helps you understand how lenders may view your income and compares options from over 100 lenders.
Talk to TonyAt a glance
- Advice for social workers
- Access to 100+ lenders and around 28,000 deals
- Rated 5.0 from 235+ Google reviews
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
How Tony can help social workers
Your job history and working pattern can affect how lenders assess you. Tony helps you present it clearly.
What lenders may look at
- Lenders usually ask for recent payslips, your P60 and employer details.
- Some lenders may view stable public sector employment favourably.
- Agency income is often assessed using a track record.
- Part-time hours are usually assessed on your actual income.
Meet your adviser
Hi, I'm Tony Flynn
I'm a mortgage and protection adviser based in Carluke, helping people across Lanarkshire and Scotland.
I've spent 15+ years in finance and have been named Mortgage Professional of the Year at the Prestige Awards Scotland five years in a row. I'll explain your options in plain English so you know exactly where you stand.
Social workers mortgage questions
Can I get a mortgage as a newly qualified social worker?
Possibly. Some lenders will consider you in your first role, while others prefer a track record. Tony can search for the lenders that fit your circumstances.
I work through an agency. Can I still get a mortgage?
Some lenders will consider agency or contract income, often with a track record. Criteria vary, so Tony can check which lenders may suit you.
Do lenders see public sector jobs as more secure?
Some lenders may view stable public sector employment favourably, but every lender has its own criteria and nothing is guaranteed.
Do you charge a fee for mortgage advice?
There may be a fee for mortgage advice. The amount depends on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed. We will explain this before you commit.
Can you help with protection as well as a mortgage?
Yes. Tony can also advise on life insurance, critical illness cover and income protection alongside your mortgage.
Related pages
More advice for people in similar situations.
Ready to talk it through?
A quick chat with Tony is a good first step. No jargon, no pressure.
Talk to Tony