Most lenders want months of payslips. We don't. We work with specialists who recognise the value of your qualification and your confirmed employment offer, so you can move into your home before day one of your first job.

Most lenders want months of payslips. We don't. We work with specialists who recognise the value of your qualification and your confirmed employment offer, so you can move into your home before day one of your first job.
Supply teaching doesn't fit neatly into a lender's standard form, but that doesn't mean you're stuck. Some lenders will factor in a percentage of your supply income towards affordability, particularly if you've been working in that capacity for several months. A second applicant in permanent employment strengthens the application further. We will find the lender whose criteria best match your situation.

Many high street lenders won't lend beyond age 70, but specialist lenders will. They will also consider your teacher's pension as income. Whether you're approaching retirement or already there, options exist. Speak to one of our advisers and we'll find the right lender 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 teacher-specific products, these government schemes may help you get on the ladder sooner or with a smaller deposit.

Mortgage lenders look at your student loan repayments as a regular outgoing when assessing affordability. Teacher student loan repayments are income-contingent, so most lenders factor this in proportionally. A large loan balance rarely prevents a successful application if your repayments are manageable. We will talk you through exactly how your student loan is treated by each lender on our panel.
Lenders typically use a multiple of your annual salary, usually 4 to 4.5 times your gross income, though some specialist lenders go up to 5 times salary. They also factor in consistent overtime and allowances shown on your payslips. As your fee-free broker, we calculate your maximum borrowing across our full lender panel and match you with the best terms for your situation.
We strongly recommend getting an agreement in principle before you start viewing properties. It confirms how much a lender is prepared to offer you and shows estate agents you are a serious buyer. We can arrange this quickly once we have gathered your details. It does not significantly affect your credit score and is not a full mortgage application.
Yes, though supply teaching income requires the right lender. Many mainstream banks will not count irregular supply work, but specialist lenders will consider a percentage of your supply earnings, particularly if you have several months of consistent income to demonstrate. A second applicant in permanent employment strengthens the application further. We know which lenders look favourably on supply teacher applications.
There is no teacher-exclusive mortgage product, but government schemes such as Shared Ownership and First Homes can make a real difference. We search across our full lender panel to find the most competitive rate for your circumstances. As a fee-free broker, you pay us nothing for our service, saving you hundreds or thousands compared to brokers who charge fees.
Yes. We work with lenders who accept applications up to 2 months before your start date, provided you have a signed contract. Your standard 12-month NQT placement is treated as a permanent position by these lenders. No previous employment history is required and deposits from as little as 10% are accepted, meaning you can be ready to move in from day one of your new role.
For information on the Teachers' Pension Scheme, visit
For official information on the Teachers' Pension Scheme:
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