Police Mortgages
Are you in the police force and looking for a mortgage? We can help. It's free to chat.
Get startedBeing a police officer in the UK can sometimes make securing a mortgage more challenging. Traditional lenders may not fully understand the unique nature of your career, shift patterns, or additional income sources like overtime and allowances. But that doesn’t mean you’re out of options. Specialist mortgage providers offer tailored deals for police officers. At Premier Mortgage Services, we focus on helping those who serve our communities secure mortgages. We understand the specific challenges you face and will support you every step of the way.
Mortgage Advice for police
While your job offers stability, some lenders may not take your full earnings into account, especially if a significant portion comes from overtime or additional allowances. Specialist lenders, however, consider your complete income package and can offer more flexible solutions. Many of these lenders operate exclusively through brokers, meaning expert advice is key to accessing the best rates and terms.
Understanding your options
When applying for a mortgage as a police officer, lenders will assess your affordability based on income, expenses, and credit history. Some high street banks may focus only on your base salary, which could limit borrowing potential. However, specialist lenders take a more comprehensive approach, considering overtime, allowances, and career progression within the force. Providing evidence of your payslips and income breakdown can help secure a favourable deal.
Police officers or detectives often work shifts and may have irregular earnings due to overtime and additional duties. While some lenders may see this as inconsistent income, others understand that this is a standard part of police work. Choosing a lender that recognises the nature of policing is essential. A mortgage broker with expertise in police mortgages can help match you with lenders that are more accommodating to your employment situation.
Why Talk To Premier Mortgage Services?
We've been getting mortgages done for over 30 years and we specialise in those mortgages which aren't always that simple.
But why else should you choose to chat to us?
We offer:
✔ Clear, straightforward mortgage advice
✔ Direct access to specialist lenders
✔ Support tailored to your career stage
✔ Responsive and easy to reach
And what's more, the initial advice is completely free of charge.
Ready to get mortgage advice?
Ready to get personalised advice? One of our qualified mortgage brokers will be happy to help.
We can identify the right lender for your situation and help you obtain the necessary documents for your application to be processed and offered. Please contact us here or call us on 0115 9499988.
Think carefully before securing other debts against your home. You may have to pay an early repayment charge to your existing lender if you remortgage.
Arrange a free mortgage consultation
About us
In 2022 we celebrated 30 years of providing first-class whole of market mortgage advice to clients across the UK surpassing £2 billion pounds of client borrowing with the UK's most respected banks, building societies and specialist mortgage lenders.
Get to know usYou're in safe hands
Premier Mortgage Services is an Appointed Representative of Stonebridge Mortgage Solutions Ltd which is authorised and regulated by the Financial Conduct Authority.
There may be a fee for arranging your mortgage and the precise amount will depend on your circumstances. Our initial consultations are free, always.
Your home may be repossessed if you do not keep up repayments on your mortgage.