Police officers often face mortgage hurdles despite having stable, permanent employment. Whether you are a probationer, a constable, or a higher rank, we work with lenders who understand police pay structures and will include your full package in affordability calculations.
Starting as a probationer or student officer? Some lenders will accept your confirmed police service contract and appointment date, so you can secure your home before or shortly after joining the force.
Shift allowances, overtime, and housing payments are a significant part of police pay, but many high street lenders won't include them in affordability calculations. We work with specialist lenders who will factor in your full earnings, giving you the borrowing power 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 police pension as income. Whether you are a serving officer 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 police-specific mortgage products, these government schemes may also help you get on the property ladder sooner or with a smaller deposit.
For official guidance on police pay and conditions:
Related mortgage advice:
