Probationer Teachers
Mortgages for Probationer Teachers in Scotland
On the Teacher Induction Scheme or just finished your probation year? You do not always need to wait for a permanent post to buy. Here is what lenders look for and how to plan your purchase.
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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.
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Why It Can Work
Lenders Understand the Probation Year
Some lenders are happy to lend during your probation year. Others want to see a permanent or temporary contract after it.
- ✓Induction year: some lenders will lend on your probationer salary
- ✓After probation: a new contract opens up more lenders
- ✓Temporary posts: many lenders accept these
- ✓Pay scales: your current salary is what lenders use
How We Help
How to Plan Your Purchase
Five steps for new teachers.
Gather Your Contract
Your probation contract or job offer and payslips.
Work Out Your Budget
We look at your salary, student loan and outgoings.
Choose the Right Lender
Some lenders lend during probation, others do not.
Time It Right
Sometimes buying after you secure your next post gives more options.
Get Your Mortgage in Principle
So you are ready when the right home comes up.
Common Questions
Situations New Teachers Ask About
If one sounds like you, talk to us.
Common Questions
Probationer Teacher Questions, Answered
The things new teachers ask us most.
Can I get a mortgage as a probationer teacher?
Often, yes. Some lenders will lend during your probation year based on your salary.
Do I need a permanent contract?
Not always. Many lenders accept temporary or fixed term teaching contracts.
Will my student loan affect my mortgage?
Lenders include the repayments in affordability, but it rarely stops you getting a mortgage.
Should I wait until probation ends?
Not necessarily. It depends on the lenders available to you at the time. We can check both.
Can I use supply teaching income?
Usually with a track record, often 12 months.
Can I buy during the summer?
Yes, many teachers do. Get your mortgage in principle early.
Related guides
- Mortgages for teachers
- Mortgage on probation or a new job
- Buying a house in Scotland step by step
- Buying with a 5% deposit
- All mortgage questions answered
Written by Tony Flynn, mortgage broker at Tony Flynn Mortgages, helping homebuyers across Lanarkshire and Scotland. This page is general information, not personal advice. Speak to Tony about your own circumstances.
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New Teacher Looking to Buy?
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