Mortgages for care workers and social care staff
Mortgages for care workers
Care workers and social care staff in care homes, home care and the community often work shifts, zero-hours or agency hours. Tony helps care workers compare mortgage options from over 100 lenders and explains how lenders may view your pay.
Talk to TonyAt a glance
- Advice for care and social care 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 care workers
Shift work and varying hours are common in care. Tony helps you show your income clearly.
What lenders may look at
- Lenders usually ask for recent payslips and often a P60.
- Regular enhancements and overtime may be counted by some lenders.
- A track record of regular bank or agency shifts can help.
- Lenders vary, so the right lender can make a real difference.
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.
Care worker mortgage questions
Can I get a mortgage if I work in care?
Yes. Lenders will look at your contracted hours, regular extra shifts and credit history. Tony can search for lenders that suit your pay.
Can I get a mortgage on a zero-hours care contract?
Possibly. Some lenders will consider you if you can show regular hours over time.
Do lenders count overtime and enhancements?
Some lenders include a proportion of regular overtime and enhancements, usually where you can show a history on payslips.
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