Firefighters have secure, well-paid employment but often find mainstream lenders struggle with shift-based income structures. We work with specialist lenders who understand how fire service pay works and will include your full earnings package in affordability calculations.
Starting as a wholetime or on-call firefighter? Some lenders will accept your confirmed fire service contract and appointment date, so you can move into your home from day one of your career.
Shift allowances, overtime, and additional duty pay form a significant portion of firefighter income, but many high street lenders won't count them in affordability. We work with specialist lenders who factor in your full earnings, giving you access to the borrowing your income genuinely supports.
Many high street lenders cap lending at 65 or 70, but specialist lenders will look further. They will also consider your firefighter pension as income. Whether you are still serving or approaching retirement, we can find the right option for your circumstances.
When your fixed rate ends, we search the whole market to find you the best remortgage deal. Most lenders offer free valuations and free legal fees through their appointed solicitor for standard remortgages.
Alongside firefighter-specific mortgage products, these government schemes may also help you get on the property ladder sooner or with a smaller deposit.
For official fire service information and standards:
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