Civil servants are the individuals employed in the UK government departments or specialist agencies. In this article, we will be looking at how to get a mortgage for civil servants and what you need to do to ensure that your application is successful. Mortgages for Civil Servants are different compared to regular mortgages because of the stable income and job. Civil servants can get the best deals on mortgages depending on their circumstances. The individual circumstance includes credit ratings, annual income, dependents, etc. If you are in a civil service job and have a larger deposit, then it is possible to get a good mortgage deal from some high street lenders. There are also some instances where a person who doesn’t have a larger deposit but has a higher salary gets a better deal. It is always better to consult a broker with access to a wide range of mortgage lenders before starting your mortgage application process.

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What occupations are classed as civil servants?

Civil servants are the individuals employed in different departments of the UK Government. Some of these departments include:

  • Ministry of Defence (MoD)
  • Prime Minister’s Office, 10 Downing Street
  • Department for Business, Energy & Industrial Strategy
  • Attorney General’s Office
  • HM Revenue & Customs (HMRC)
  • Cabinet Office
  • Department for Transport (DFT)
  • Department for International Development (DFID)
  • Department for Digital, Culture, Media & Sport
  • Her Majesty’s Inspectorate of Constabulary (HMIC)

There are also many other departments that may not be available here, but you check them with this link.

How do mortgage lenders view mortgages for civil servants?

Most mortgage lenders look favourable to people who are working in secure employment, such as civil services, police officers, teachers, nurses, doctors etc. These jobs are considered to be more stable than most other jobs. This is because the pay is usually fixed and there is little chance of being laid off. They also tend to have a steady stream of income. The main thing that makes a mortgage lender consider giving you a loan is if you have a large enough deposit. Many mortgage lenders don’t want to lend money to people who haven’t got a big enough deposit. You can find out about the minimum deposit required by contacting a mortgage broker.

How much mortgage amount can a civil servant borrow?

The mortgage amount depends upon the affordability criteria set by the lenders. If you are working in civil services, you still need to go through the mortgage affordability assessments set by the mortgage lender. However, you can expect a lower interest rate than someone who isn’t working in a civil service job. So, if you are getting a mortgage for civil servants, you can expect to borrow up to 80% of your property value, depending on your individual circumstances. For example, if you own a house worth £200,000, you can expect to be borrowing around £160,000. The best thing is to contact a Mortgage broker with access to different lenders so that you can compare interest rates and see what works best for you.

How to Get a Mortgage for Civil Servants

The first thing that you need to know about getting a mortgage for civil servants is that it is not as easy as it sounds. It is difficult because there are many different types of mortgages available for civil servants. There are fixed rate, variable rate, tracker rate and even interest-only mortgages. There are also some specialised loans, such as the buy-to-let loan, which can help with buying a property.

The good news is that if you can find out which type of mortgage would suit you best, then you should be fine. If you want to apply for a mortgage for civil servants, then you will need to fill out an application form. This form needs to include all of your personal details, including your name, address, contact number, employment status, salary and any other information that you think might be relevant.

Once you have filled out the application form, then you will need to send it off to the lender. They will usually ask for proof of ID, but they may also request additional documents depending on their requirements. Once they receive your application form, then they will start processing it. It could take up to two weeks before you hear anything back from them, so keep checking your email regularly.

Once you have received confirmation from the lender, then you can move on to the next step. You will need to provide them with evidence of your income. This includes pay slips, bank statements and tax returns. You will also need to show that you have enough money to cover the repayments.

You will also need to provide them with proof of your assets. This includes things like savings accounts, stocks and shares, bonds and any other investments that you own. You will also need proof of your home ownership. This means that you will need to provide them with copies of your deeds and utility bills.

You will also need to provide proof of your creditworthiness. This includes a copy of your current credit card statement and a copy of your most recent credit report.

If everything has been provided correctly, you should be ready to proceed with the final steps. You will need to sign a contract with the lender and once you have done that, then you will be given the keys to your new home.

Mortgage for civil servants – Age Barriers

Minimum Mortgage Age-

When applying for a mortgage for a civil servant, you will often be asked whether or not you meet certain age restrictions. These age restrictions vary between lenders, and this is because each one sets its own rules. The main rule is  that you must be over 18 years old. Some lenders do allow borrowers under 21 years old, while others don’t.

However, if you are looking for a mortgage for civil servants, then you shouldn’t worry too much about these age restrictions. As long as you are over 18 years old, then you should be fine when applying for a mortgage for civil services.

Maximum Mortgage Age-

There is no specific maximum age for applying for a mortgage in the UK, but some lenders won’t give you a good deal when starting your mortgage application post-retirement. In fact, most lenders will refuse to lend to people who are older than 65 years old.

However, there are still plenty of lenders who will offer mortgages to older people. So if you are planning to retire soon, then you should check what kind of loan terms are available to you.

Can a civil servant get a mortgage when posted abroad?

Yes, a civil servant can get a mortgage when posted abroad, but not all lenders will approve the mortgage application. If you want to apply for a mortgage for civil servants when posted abroad, then you should make sure that you choose a lender who will accept your application. You can contact a mortgage broker to help you with civil servant mortgages.

Next Steps

As an expert mortgage broker in the United Kingdom, we have helped different civil servants find their dream homes. We are in contact with specialist mortgage lenders specialising in lending to civil servants. We can connect you with these lenders so that they can assess your financial situation and see if they can offer you a mortgage.

We can also help you find the best interest rates for your mortgage. When it comes to getting a mortgage for civil servants, you should always look at the best rate possible. This way, you can save much money on your monthly repayments.

We hope our guide on getting a mortgage for civil servants was helpful. If you would like more information on how to get a civil servant mortgage, then please feel free to contact us.

FAQs- Civil Servant Mortgage UK

What is a mortgage guarantee scheme?

A mortgage guarantee scheme is introduced by the UK government to support the new generation of homeowners. The scheme is designed to protect the borrower from any loss caused by unforeseen circumstances. It helps to reduce the risk of defaulting on the mortgage.

Can I get a civil servant mortgage with a bad credit rating?

Yes, you can get a civil servant mortgage with a bad credit rating, but you may need to consult an experienced mortgage advisor before starting your mortgage application process.

Do civil servants get better mortgages?

Yes, mortgage lenders favour borrowers with stable incomes and occupations. They also prefer those working as a professional in the UK. Civil servants are considered similar to high-income professionals when it comes to mortgages. As such, they usually receive better deals than other borrowers.

How do I know if my civil servant mortgage is affordable?

You can use the affordability calculator provided by the lender to calculate the amount of your monthly repayment. You can compare this figure with your current salary and other expenses to determine whether or not your civil servant mortgage is affordable.

About The Author

mortgage broker damian youell

See some of Damian’s client reviews below

Damian is an experienced mortgage broker, founder of Ltd and company director. With over a decade working as a mortgage broker he has a strong understanding of hard to place mortgage cases. With hundreds of 5 star client reviews. hundreds of repeat clients his work speaks for himself.

He started as a one man band with the philosophy of putting clients needs ahead of his own. This ethos of offering excellent customer service has helped the business grow over the years. He gets satisfaction on getting cases pushed through to offer stage where other mortgage broker and companies have failed.

Throughout his time as an adviser he has carved out a niche area of advice helping clients with their business protection requirements too. Having helped hundreds of client with Relevant Life Policies, Shareholder Protection Insurance, Keyperson Policies and other important protection requirements of large to small businesses.

At home he is a family man and likes to spend his time with his four children and wife Lisa. He enjoys going on holidays spending time with friends and going for walks.