Social workers in permanent, fixed-term, agency, or umbrella contracts all face different mortgage challenges. We work with lenders who assess social workers on actual earnings rather than contract type alone, making it easier to get the mortgage you need.
Whether you are on a permanent council contract, a fixed-term post, or working through an agency or umbrella company, we can find a lender who will treat your income fairly. You don't need to be directly employed to get a competitive mortgage.
Agency social work income doesn't fit neatly into a standard lender's application form, but that doesn't mean you're stuck. We work with lenders who will look at your genuine track record of earnings, rather than simply the contract type on your payslip.
Many high street lenders won't lend beyond age 70, but specialist lenders will. They will also consider your local government pension as income. Whether you are approaching retirement or still building your career, 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 social worker mortgage products, these government schemes may also help you get on the property ladder sooner or with a smaller deposit.
For official Social Work England registration information:
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