Not all mortgage brokers are specialising in Mortgages for Police, but we are!

We love providing all our police customers with Fee Free Expert Mortgage Advice. It’s not just about finding a mortgage, It’s about the journey, and we will hold your hand throughout the entire process.

CONTACT FEE FREE Police Mortgage Expert

100% Fee Free Mortgage Broker

Our mortgage service is 100% free. Like all brokers in the market, we get paid by lenders. Unlike many brokers, we won’t charge you a fee on top of that. We are Fee-free Independent Mortgage Broker

You can possibly borrow up to 7 times of your annual income if you are employed and earning a minimum of £25,000 a year in one of the following role:

Chief superintendent (police service)

CID officer

Detective inspector

Police inspector

Detective (police service)

Police constable

POLICE OFFICER

SERGEANT

TRANSPORT POLICE OFFICER

CIVILIAN SUPPORT OFFICER (POLICE SERVICE)

COMMUNITY SUPPORT OFFICER (POLICE SERVICE)

POLICE COMMUNITY SUPPORT OFFICER

You’ll need to meet lender’s eligibility and affordability criteria

Everything you need to know about Mortgages for Police Officers

Some lenders have favorouble criteria and use enhanced income multiplier (Many mortgage lenders use a multiple of your income to determine how much they could potentially lend you. ) when lending to some professions such as police. This is due to the level of financial security and also respect that results being a police officer. There are mortgages that are totally fit for specific needs of the police officers.

What’s the maximum amount I could borrow? How many multiples of my salary could I get?

It depends on a number of factors, such as whether you’re a sole or joint borrower, your income, the amount of down payment, and your credit rating. Each mortgage lender use complex affordability calculators which considers numerous variables, including your considerable outgoings and any additional income sources you have. As an example, it’s perfectly possible to get a mortgage loan while on benefits with your benefits factored in as additonal income, although to use benefits as a from of allowable income, you will usually need to have various other sources of income too.

There are a very few banks use an income multiple of 7 times your yearly salary but a very few specialist lenders will lend that high, and when specific criteria is met. Other banks use an earnings multiple of between 4-4.5 times your yearly income, though some will consider 5-5.5

If you’re seen to be a low risk borrower, a lender may offer you a higher multiplier. Having said that, if you have bad credit rating and a low deposit, they might offer you a lower income multiplier.. Contact mortgage expert to find out how we could help you with your mortgage application.
Can I use nights, shift allowances, overtime and second job income?

Yes, yet different banks have a different consideration towards bonuses, other income sources and second jobs. For instance some lenders will accept 100% bonuses as well as the allowances some will simply accept 50%. When you submit application for a mortgage loan, all banks will check your last 3 months payslips when considering the overtime and shift allowances. The main thing lenders are looking for is consistent around the 3 months earnings. If the additional earnings are consistency across the 3 payslips there is a great chance they will accept them as an additional income. As the overtimes and the allowances can easily make up a notable part of your salary, it is important that these income are used towards mortgage. Each home mortgage lender has a different approach on this.

As a whole of market broker we have the knowledge and the experience to guide you in the right direction. Please get in touch to find out how we could help you with your mortgage application. Why not take advantage of our knowledge and experience, it is completely free!
Will my deposit level affect how much I could borrow?

If you have a bigger deposit, you may get a higher income multiple.

The maximum loan you’re possibly able to find for a residential mortgage is 95%, meaning you will need a minimum 5% deposit. Some banks would ask 10% minimum.

Bear in mind that by putting down a deposit that’s larger than the minimum amount, a lender will consider you as a less risky applicant and may offer you a higher income multiple as a result. Speak to an expert about police mortgages today.
How do I get offered a higher mortgage amount?
For a bank to use higher income multiple, you’ have to meet their criteria as best as possible.

Most banks will make their mortgage decision on a combination of the following aspects:
- Your income type
- Whether you have any additional income
- The number of applicants (Up to 4 applicants can apply jointly?)
- Your expenses
- Your deposit level
- Your credit score
- The property type (standard or non-standard construction)
We will be able to take these factors into consideration to find the best mortgage deal for your circumstances. Make an enquiry today to discuss your options.
Should I seek professional help?

Working with an experienced and knowledgable adviser who has previously executed similar successful mortgages can save you a lot of time and can stop you applying to a wrong lender. We are truly whole-of-market, and have a lot of real experience in police mortgages.

We know which lenders will be more generous towards police mortgage applications, saving you time, money and hassle. Please get in touch to find out how we could help you with your mortgage application. Why not take advantage of our knowledge and experience, it is completely free!
Are there any police mortgage schemes?

There aren’t a specific police officer mortgage schemes, but there are other mortgage schemes that you could take advantage.

Help To Buy, Shared Ownership
This scheme allows the purchaser to buy a share of a property (25% to 75%) rather than purchasing all.

The share you don’t own can be bought later and until then, you are required to pay rent the share you dont own.

Help to Buy: Equity loan

This is a good scheme for police officers who don’t have a big down payments. You need to pay a 5% deposit which is then topped up by the government with a 20% equity loan. This makes the deposit to 25%, this means that more mortgage products and generally better rates are offered.

Please get in touch to find out how we could help you with your mortgage application. Why not take advantage of our knowledge and experience, it is completely free!
Can the amount of time in my role affect my mortgage?

Yes, The legth of time you have worked within your current job can influence your chance to get a mortgage. This is due to the fact that some lenders see recent job starts less stable. Some might need applicant to be in the role 3 to 12 months nevertheless this is actually not always the scenario. There are lenders who would be happy to consider new starters.

Please get in touch to find out how we could help you with your mortgage application. Why not take advantage of our knowledge and experience, it is completely free!

Speak to a Fee Free Expert in Police Mortgages

Will the construction type impact my application?

Non-standard construction property, is usually refers to anything that isn’t made of bricks and mortar. For example…

Timber framed houses
Properties with thatched roofs
Modular buildings
Steel framed properties

If you wish to purchase a non-standard building, the selection of banks you can turn to is not a lot. Help is at hand, though, as the whole-of-market mortgage expert we can pinpoint the banks who specialise in non-standard building and can provide the best mortgages to borrowers in your situations. Make an enquiry and we will connect you to the right lender.
Can you help with calculating my affordability?

Yes, certainly! We help customers determine their affordability all the time. We can review your financial circumstances with you, looking at your:

Earnings

Expenses

Liabilities — Are you applying for home mortgage with a loan or any unsettled credit cards etc?

Dependants — Adult or child

Credit rating

These factors, along with your age and source of income source, allow us to give a more precise assessment that shows your own personal circumstances.

It’s crucial to find out what amount you can obtain before applying with a bank because this will save you money on application charges and also protect against mortgage loan refusals on your Credit report.

Make an enquiry and talk to us to find out more about how much you could borrow.
Can I get a Mortgage if I just Started a New Job?
Of course, possibly, however not all mortgage companies will be satisfied to accept you. Some mortgage loan companies won’t loan to someone who hasn’t been working in their present employment for a specific period of time, and some others will only accept you if you’ve been in continuing employment for a number of years.

One of the advantages of being a Police officer is whenever you submit the mortgage application, all mortgage companies will comprehend your employment contract and pay grade. With the majority of recently qualified police staff, most lenders will be willing to use your contract as proof of income. This may mean that rather than waiting for the standard 3 months payslips that most mortgage loan providers require they will use your contract meaning that you could possibly begin purchasing a property a few months prior. But the good news is that we can help applicants who’ve just begun a new job, and we arrange loans for individuals under the following scenarios all the time:
- Borrowers who’ve just started working for a new company
- People who’ve switched to a new contract with the same employer
- Borrowers who’ve just had a pay rise
- People who are beginning a new job in the next 3 months
- Probationary period mortgage loans
- Temporary contract staffs
- Newly-qualified professionals
Please get in touch to find out how we could help you with your mortgage application. Why not take advantage of our knowledge and experience, it is completely free!
Can you get a mortgage with a part-time job?
Which lenders should I approach for a police mortgage?

There are Many lenders and a lot of different mortgage products on the current market, it can be challenging to have an idea where to start.

Banks, Building societies as well as other types of loan providers will also consider such applications under the ideal conditions.

Every police mortgage company will have their very own set of qualifying criteria that they will use to evaluate an applicant and make a decision whether or not they can loan to you.

This makes the task of finding a home mortgage very time consuming but it can also lead to lost money in application fees, as well as unpleasant credit refusals on your report.

To avoid this, work with an advisor. We have access to the up to date rates and products and can compare all for you prior to applying.

Please get in touch to find out how we could help you with your mortgage application. Why not take advantage of our knowledge and experience, it is completely free!
Do police officers get discounted mortgages?
How can we assist you with your police mortgage?
- We will review your present circumstances and pay attention to what it is you want from a mortgage. Making use of this relevant information, we are able to search the whole of the home mortgage market to find the best mortgages for you.
- Any paperwork for your mortgage can be managed by us, saving you time and headache. We will additionally work with lawyers on your behalf.
- We can handle your police mortgage process from beginning to finish. We’ll always keep you up to date with any developments and will insist on saving you money wherever doable.

Get started with police mortgage expert

GET STARTED WITH FREE POLICE MORTGAGE EXPERT

We’ll Find the Most suitable Mortgage for Your needs!

With access to thousands of mortgage products from over a hundred mortgage lenders, we will find the most suitable mortgage for anyone. No matter what your circumstances, needs or timeframe, we are in a position to find your ideal mortgage. Contact us now and see how we could make your life easier.

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We can provide access to Broker-only mortgage deals which you won’t find on the High Street.

Police Mortgages

So what should I do next?…

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Testimonials

Done it right. Impressive service! We would recommend them thoroughly!

I wanted to find a mortgage advisor near me. After going through their website I noticed that they had the experience and also they were fee free mortgage brokers. I emailed them and the B & D mortgage expert was quick to reply. I called them today shortly after talking to my existing property mortgage lender. Dilia at B&D Mortgages was really professional and also well-informed. She provided us with excellent remortgage recommendations for our current circumstances. We will certainly be working with them in the future, also I will certainly be recommending their professional services to everyone! Best mortgage broker I have ever worked with.

Olga Luta

B&D Mortgage Advice has been remarkable

B&D Mortgage Advice has been remarkable and also I can not thank them enough. They did well where 3 other brokers couldn’t obtain me a property mortgage. They were courteous, helpful, attentive, friendly as well as competent with their service. I will always use them.

Carl Gerard

Definitely perfect Mortgage advisor.

Definitely perfect Mortgage advisor. We had a smooth and fast service and their service was free. Dilia was brilliant, approachable, highly professional and she went above and beyond, explaining the steps. She even helped us with arraging insurance for us and explained everything. Even though we live far, we heard from friends B&D was a great company and they really are. Thanks for everything Dilia!

Raj Rawal

Outstanding Mortgage Advice

Outstanding mortgage advice provided and most significantly extremely patient with my questions and concerns: no pressure what -so ever, simply sound advice with all alternatives checked out and recommending the most suitable mortgage that fulfilled my requirements.
Would recommend to anybody who is trying to find the most suitable mortgage.

Wayne Edwards

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