Mortgages for council and local authority staff
Mortgages for council workers
Councils are some of the largest employers in Scotland. Whether you are permanent, temporary, relief or on a zero-hours contract, Tony helps council and local authority staff compare mortgage options from over 100 lenders and explains how lenders may view your income.
Talk to TonyAt a glance
- Advice for council and local authority 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 council workers
These are the situations Tony most often helps council and local authority staff with.
What lenders may look at
- Permanent contracts with a council are viewed favourably by many lenders, but each has its own criteria.
- Temporary, relief or zero-hours staff may be asked for evidence of regular hours.
- Overtime and allowances may be counted in part where you have a payslip history.
- Pay grade progression does not guarantee approval; affordability and credit history still apply.
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.
Council worker mortgage questions
Can I get a mortgage on a zero-hours or relief contract?
Possibly. Some lenders will consider you if you can show a regular pattern of hours over time. Tony can search for lenders that fit.
Does it matter which council I work for?
No. Lenders look at your contract, your income and your credit history, not the specific council.
Do lenders count overtime and allowances?
Some count a proportion of regular overtime and allowances where you can evidence 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.
Do you only help people in Lanarkshire?
No. Tony is based in Carluke and helps people across Scotland, by phone, video or in person.
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