Mortgages for Teachers
Your Mortgage Expert for Teachers
Get honest, straightforward mortgage advice from a local broker who understands how teachers are paid. We search thousands of deals across a wide panel of lenders to find the right deal for you whether you're a first-time buyer, moving home, or remortgaging.
★★★★★ Helping teachers buy, move and remortgage, from first-time mortgages to the most complex cases.
Client Reviews
What Our Clients Say
"Moving from a permanent teaching contract to a temporary in another authority meant I was nervous about whether I would get a mortgage. Tony was absolutely brilliant from the start. So efficient and reassuring throughout the whole process. I can't recommend him enough. Thank you so much!"
Teacher, Mortgage Customer
"We remortgaged with Tony and as always it was a simple smooth process! He explains everything well and is very knowledgeable, honestly wouldn't go anywhere else for mortgage advice! Thanks again ☺️"
Remortgage Customer
"We got recommended Tony from a friend and from start to finish he has made myself and my husband feel at ease with the whole process. Nothing was too much for him or Katie and no question was too silly either. Would highly recommend them to anyone looking for any help."
Mortgage Customer
Teacher guides
More detail on how lenders may look at teaching careers.
Why Teachers Come to Us
We Know How Teachers Get Paid
Mortgage advice built around how teachers are paid, with a personal touch you won't find on the high street.
- ✓Helping teachers buy a first home, move up, or remortgage onto a better rate.
- ✓Pay scales and progression understood, so your future earnings are put to lenders properly
- ✓Evening and school-holiday appointments to suit the timetable
- ✓Term-time, part-time and supply contracts worked out properly, not guessed at
- ✓Extra income from tutoring, exam marking and responsibility payments counted where lenders allow it
How It Works
The 5 Milestones of the Mortgage Process
We make the mortgage process simple and transparent. Here's what to expect from start to finish.
Check How Much You Can Borrow
We assess your pay, outgoings and circumstances, including pay scale progression, to give you a clear borrowing figure before you start searching.
Check How Much It Will Cost
We compare your options across lenders so you can see what your monthly payments and total costs may be.
Get a Mortgage in Principle
We secure a Decision in Principle from a lender, giving you the confidence and credibility to make an offer on a property.
Organise Your Purchase or Remortgage
We handle all the paperwork and liaise with lenders, solicitors and estate agents to keep everything on track.
Apply
We submit your full mortgage application, manage the process through to offer and are with you all the way to completion.
Teacher mortgage questions
Can teachers get a mortgage on a fixed-term or supply contract?
Some lenders may consider fixed-term and supply teaching income, depending on your circumstances. Criteria vary, so speak to us early.
How do lenders treat teaching allowances?
Lenders vary in how they treat allowances such as teaching and learning responsibility payments. We can help present your income clearly.
Are there options for newly qualified teachers?
Some lenders may consider newly qualified teachers, depending on your circumstances and contract.
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.
Where are you based?
We are based in Carluke, South Lanarkshire, close to Edinburgh and Glasgow, and help clients across Scotland and the UK.
What We Offer
Mortgage Help at Every Stage of Teaching
From a first flat to a bigger family home, we compare your options to find the deal that fits.
First Time Buyers
Buying your first home on a teaching salary? We'll guide you through every step, from affordability checks to getting your keys.
Get Started →Remortgages
Your current deal ending? We'll compare your options to find you a better rate.
Learn More →Buy to Let
Thinking about a rental property? We specialise in buy-to-let mortgages for both new and experienced landlords.
Explore Options →Poor Credit Mortgages
Don't let a poor credit score hold you back. We have access to specialist lenders who can help.
Talk to Us →Protection & Insurance
Protect your home and family with life cover, critical illness and income protection that works alongside your teachers' pension.
Get Protected →New to Teaching
Probationer, newly qualified or on a fixed-term contract? Some lenders will still consider you. We know which ones.
Find Out More →
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 and search 28,000+ deals from over 100 lenders, so you know exactly where you stand.
Get in Touch
Book Your Mortgage Consultation
Ready to take the next step? Fill in the form and we'll be in touch within one working day, no obligation, no pressure.