020 8668 6080

Mortgages

Mortgages for Teachers and Police Officers

Teachers and police officers usually have stable, structured pay, which lenders like. There can still be complications, such as supply or fixed-term contracts, overtime, allowances or a recent move. PMS Mortgages helps teachers, police officers and staff across Croydon, Sutton, Surrey and London.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Teachers

  • Permanent, fixed-term and supply contracts

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Mortgage advice tailored to your property plans, with 90+ lenders compared.

  • Teaching and learning responsibility (TLR) payments

  • London weighting and allowances

  • Early-career teachers moving into their first role

    • Police officers and staff

    • Basic pay and London weighting

    • Overtime and shift allowances, often averaged

    • Officers in their probation period

    • Transfers between forces

    Documents to prepare

    • Recent payslips and your latest P60

    • Employment contract, especially if fixed-term

    • Bank statements and proof of deposit

    Buying your first home? See first-time buyer mortgages. Already own? See remortgaging. Approval is always the lender's decision.

    Our fee

    We may charge a broker fee for mortgage advice. Our typical fee is £479, payable only when you receive a mortgage offer. The fee will be confirmed before you proceed.

    90+ UK LendersHigh-street and specialist lenders compared
    Fee only on offerTypical fee £479, payable only when you receive a mortgage offer
    18 years of experiencePersonal advice tailored to your circumstances
    Frequently asked questions

    Your questions answered

    A family unpacking cardboard boxes on the floor of their new home

    • Yes, some lenders consider supply teachers, usually with a track record of regular work. They may average your income over a period.

    • Some lenders include regular overtime, often averaged over recent months. Others count only part of it.

    • Some lenders will consider officers and new teachers in probation, depending on the role and contract.

    How It Works

    How it works

    1. 01

      Initial consultation

      Speak to PMS for an initial consultation to assess your affordability and an indication of the type of borrowing available to you within the mortgage market.

      Affordability assessed across 90+ lenders
    2. 02

      Full consultation

      If you're happy to go ahead, PMS Mortgages will arrange a full consultation by Zoom, phone or face to face. Where appropriate, we can help you obtain an Agreement in Principle. An Agreement in Principle shows how much you may be able to borrow based on the information you provide. It is not a mortgage offer and is subject to full application and credit assessment.

      Indicative borrowing assessed
    3. 03

      We handle the detail

      Once you have found a property we take care of everything else, mortgage application, surveys, solicitors, searches and dealing with any estate agents or developers on your behalf.

      Application, surveys and legal work managed
    4. 04

      Support to completion

      Your dedicated case manager and your consultant will be on hand to guide you through the whole process.

      Supported right through to completion

    Ready to take the first step?

    Your initial consultation is without obligation. Speak with an adviser in Croydon or over Zoom.

    020 8668 6080

    Talk to a mortgage adviser today

    Call us on 020 8668 6080