Police Mortgages

Wanting to get on the property ladder while working in the police force? Whether you’re a constable, detective, or a PCSO, our specialist advisors can support your mortgage application.

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Getting on the property ladder as a police professional

Mortgages for those working in the police force are similar to a standard first-time buyer mortgage. It simply means you’re likely to get more specialised advice when you apply. There are expert mortgage advisors who have the knowledge and experience to help applicants in certain professions secure a mortgage.

At Mortgage Synergy, we’re aware of how different occupations can affect your mortgage terms and conditions. If you work as a police officer (or any other police role), lenders typically view your occupation as low-risk and highly respected. You’re viewed confidently, as these roles offer a long-term career with promising promotion prospects.

Mortgages for trainee police officers

As trainee police officers are typically paid during their 12-week training, you should be able to get a mortgage while undergoing training. You might decide against this though and wait until you’re more settled in your job. Applying for a mortgage can be stressful (which is why mortgage advisors exist).

Getting a Mortgage in Principle can be helpful in this scenario. This is a written agreement from the bank/lender stating that they’d be willing to lend you a specific sum once you’ve passed further checks later down the line. These are valid for three months.

You also opt for a mortgage guarantor, which is a friend or family member co-signing on your mortgage. They won’t own any of your property, but they are obligated to make repayments if you fail to do so for any reason.

How much can a police officer borrow for a mortgage?

How much you’re eligible to borrow for a mortgage is dependent on a number of factors, including:

Your current income
Credit rating and credit history
The size of your deposit
Your financial circumstances.

Most lenders offer up to 4 times your annual salary—this is a standard guideline for mortgage borrowing. Since being a police officer is a low-risk profession, you may be able to borrow higher amounts, such as 4.5, 5, or even 6 times your annual salary.

Our experienced mortgage advisors can help assess your affordability and ensure you have the right documentation to hand to complete your application. We’ll make sure your application is in tip-top shape for the best chances of approval.

How long does a police officer have to be in the force to apply for a mortgage?

Generally speaking, the longer you’ve been in the police force, the better. Your job is stable, so lenders are more likely to consider you for a mortgage. Some may ask applicants to have served three years in the force before applying for a mortgage.

That doesn’t mean you’re not eligible if you’re new to the police force. There are specialist lenders on the market who will consider those who have started or are due to start a new position as a police officer as long as you have a contract of employment.

As part of the application process, you’ll need to provide your employment contract as proof of income, alongside three months’ worth of payslips (in most circumstances).

Is it necessary to get insurance when getting a Police Mortgage?

We always recommend taking out Life Insurance or Income Protection when you’re accepted for a mortgage.

Considering the nature of working in the police force (e.g. you may suffer an injury while at work), it’s sensible for your mortgage to be protected. If you were unable to work, lenders may want to know you’ve taken the appropriate steps to protect your income and mortgage repayments.

If you work in the force and are considering buying a property, do get in touch with us—we can get the ball rolling.

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