Can I use my police overtime to get a bigger mortgage?

Yes. We work with lenders who accept 100% of regular overtime, shift allowances, and unsociable hours pay for police officers.

Are there special mortgage deals for emergency service workers?

Some lenders offer preferential rates for key workers. There are also schemes through Police Mutual and similar organisations. We check all available options.

I'm a retained firefighter — can I still get a mortgage?

Yes. Retained firefighter pay can be used by certain lenders. We'll find the right one based on your full income picture.

Do you charge for mortgage advice?

Never. Our service is 100% fee-free for all emergency service workers.

Police & Emergency Services Mortgages

Tailored mortgage advice for police officers, firefighters, and emergency service workers. We find lenders who accept your full income, including shift allowances and overtime.

Why Do Emergency Service Workers Need Specialist Advice?

Police officers, firefighters, and paramedics often rely on shift allowances, overtime, and unsociable hours pay as a significant part of their income. Many mainstream lenders ignore this additional income when calculating affordability. We don't. As key workers, you may also qualify for special housing schemes and government initiatives. Whether you're a first-time buyer or remortgaging, we'll maximise your borrowing. See also our NHS mortgages page for fellow emergency workers.

Lenders who accept shift allowances, overtime, and unsociable hours pay
Specialist advice for police officers, firefighters, and ambulance staff
Access to key worker and emergency services housing schemes
Help with the Police Mutual and fire service housing initiatives
100% fee-free advice for all emergency service workers

Step 2 of 4

Tell us about the property

Estimates are fine — we'll refine the numbers together.

Property Value (£) *

Deposit Amount (£)

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

How Much Can Police Officers Borrow?

A police constable earns around £28,000–£43,000 base salary, but shift allowances and overtime can add thousands more. We find lenders who include all of this, potentially increasing your borrowing by £20,000–£50,000 compared to a lender who only uses base pay.

Firefighter and Ambulance Staff Mortgages

Firefighters and paramedics face similar challenges — variable income from overtime, retained duty pay, and shift patterns. We work with lenders who understand these roles and will factor in your full earnings.

Key Worker Housing Options

Emergency service workers often qualify for key worker housing schemes, discounted shared ownership, and local authority initiatives. We'll check every option available in your area.