Mortgages for police officers and emergency services
Mortgages for police officers
Police officers, firefighters, paramedics and other emergency service workers often have pay that includes shift allowances, overtime and a probation period. Tony helps you understand how lenders may view your income and compares options from over 100 lenders.
Talk to TonyAt a glance
- Advice for police and emergency services 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 emergency services staff
Shift work and allowances can affect how lenders see your income. Tony helps you present it clearly.
What lenders may look at
- Lenders usually ask for recent payslips, your P60 and employer details.
- Some lenders count a proportion of regular overtime and allowances.
- Some lenders may consider newly appointed officers during probation; others may ask you to wait.
- The same approach applies to firefighters, paramedics and other emergency service roles.
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.
Police mortgage questions
Can I get a mortgage while on probation?
Possibly. Some lenders will consider you during probation, while others prefer you to have completed it. Tony can search for the lenders that fit your timing.
Do lenders count overtime and shift allowances?
Some lenders include a proportion of regular overtime and allowances where you can show them on your payslips. Each lender has its own rules.
Does this apply to fire and ambulance staff too?
Yes. Tony helps firefighters, paramedics and other emergency service workers in the same way.
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