Mortgages for public sector workers
Public sector mortgages in Scotland
Teachers, council staff, police officers, firefighters, civil servants and healthcare workers all work in Scotland's public sector. Tony helps public sector workers compare mortgage options from over 100 lenders, including when pay includes allowances, overtime, shift enhancements or fixed-term contracts.
Talk to TonyAt a glance
- Advice for public sector workers across Scotland
- 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 public sector workers
Choose the page closest to your job, or get in touch if yours is not listed.
What lenders may look at
- Many lenders see public sector employment as stable, although each lender has its own criteria.
- Some lenders count a proportion of regular overtime, allowances and shift pay.
- Probation periods and fixed-term contracts are treated differently by different lenders.
- Affordability and credit history still apply, whatever your employer.
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.
Public sector mortgage questions
Can I get a mortgage on a fixed-term or temporary public sector contract?
Possibly. Lenders treat these contracts differently, and some will consider you if you have a track record or a history of renewals. Tony can search for lenders that fit your situation.
Do lenders count overtime and allowances?
Some lenders include a proportion of regular overtime, shift pay and allowances, usually where you can show a history on your payslips. Each lender has its own rules.
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.
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