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Public sector mortgage advice
Mortgage advice for public servants
Public service is not one type of job, and your mortgage advice should reflect that. A permanent salary may sit alongside allowances, overtime, a new posting or a move between departments. We help you explain the whole picture to a lender, not just the job title on your payslip.
Simply Mortgages offers independent, whole-of-market advice for public servants buying a home, moving or reviewing an existing mortgage. Start with the page that fits your role, or talk to us if your circumstances cross more than one.
Steven Haley has 16 years' experience as a mortgage broker and advises civil servants across government departments. Meet Steven and the team.
Read our live Google reviews for clients' own accounts of working with Simply Mortgages.
We are an independent broker, not a government department or an employer-endorsed mortgage scheme. Your occupation alone does not guarantee acceptance or a particular rate.
Talk through your circumstancesFCDO & Crown Servants
Overseas postings, UK salary, allowances and tied accommodation.
Armed Forces & service families
Service pay, BFPO addresses, service accommodation and Forces Help to Buy.
Civil servants & Fast Stream
New appointments, probation, department transfers and relocation plans.
Home Office & Border Force
Annualised hours, shift-related pay, overtime and changes of role.
Prison officers
Contracted hours, overtime, location-linked pay and prison transfers.
Police officers
Basic pay, overtime, allowances, force transfers and remortgaging.
NHS & healthcare professionals
Medical income, shift work, additional earnings and changing contracts.
When home plans and work plans overlap
Can we apply together if only one of us works in public service?
Yes, a joint application can include different types of employment. Tell us about both incomes, existing commitments and any planned changes. A public service job does not cancel out the other applicant's circumstances; the lender assesses the application as a whole.
What if a transfer or posting happens during the purchase?
Tell your adviser as soon as the timing becomes clear, especially if pay, travel costs or where you will live could change. Do not assume a mortgage offer covers a later change in circumstances. We can check what the lender needs before you make commitments.
What should I bring to the first conversation?
Start with your home plans, a broad picture of household income, your deposit and any upcoming job change or posting. There is no need to put sensitive operational details, identity documents or financial records into a general enquiry. We will explain which documents are needed and how to share them securely.
Mortgage advice, made simple
Get clear advice before you apply.
Tell us what you need help with and we will point you to the right mortgage route.
- FCA regulated, whole-of-market mortgage advice.
- No jargon and no pressure to proceed.
- We explain fees, risks and next steps before any application.
Your home may be repossessed if you do not keep up repayments on your mortgage. Some specialist or buy-to-let finance may not be regulated by the FCA.
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