Mortgages for civil servants
Mortgages for civil servants
Civil servants in Scotland work for the Scottish Government, UK government departments and public bodies. Tony helps civil servants compare mortgage options from over 100 lenders and explains how lenders may view your grade, pay progression and pension.
Talk to TonyAt a glance
- Advice for civil servants and public body staff
- 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 civil servants
A steady career path can help, but each lender looks at your situation in its own way.
What lenders may look at
- Many lenders see civil service employment as stable, although each has its own criteria.
- Recent payslips and details of your grade and contract are usually requested.
- Some lenders may count regular allowances and overtime.
- Moving between departments, or a probation period, is treated differently by different lenders.
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.
Civil servant mortgage questions
Can I get a mortgage on a fixed-term civil service contract?
Possibly. Some lenders will consider you, particularly if you have a history of renewals or related work. Tony can search for the lenders that fit.
Does my pension affect my mortgage?
Pension contributions come out of your pay, which can affect the figures lenders use. Tony can explain how this may apply to you.
Do lenders count overtime and allowances?
Some lenders include a proportion of regular overtime and allowances where you can show them 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