Teacher Mortgages
Are you a teacher looking for a mortgage? We can help. It's free to chat.
Get startedBeing a teacher in the UK can sometimes make securing a mortgage more challenging than expected. Despite having a stable and respected profession, some traditional lenders can be cautious—particularly if you’re an NQT, supply teacher, or on a fixed-term contract. However, this doesn’t mean you’re out of options.Specialist mortgage lenders offer teacher mortgage products designed to reflect your career stability and long-term earning potential. At Premier Mortgage Services, we specialise in helping teachers secure mortgages that suit their circumstances. We understand the education sector and the challenges teachers face, and we’ll support you at every stage of the process.
Mortgage Advice for Teachers
While teaching offers strong job security and career progression, your current contract type or early-career salary may not always meet the strict criteria of high street banks. Specialist lenders, however, take a more flexible approach when assessing mortgages for teachers, often considering pay scale progression and long-term stability.Many of these lenders only work through mortgage brokers, which means expert advice is essential to access the most competitive rates and suitable terms.
Understanding Your Mortgage Options as a Teacher
When applying for a teacher mortgage, lenders assess affordability based on your income, outgoings, and overall employment profile. Some mainstream lenders focus only on your current salary, which can disadvantage newly qualified teachers or those early in their career.Specialist lenders are often more accommodating.
They may:
• Take into account future pay scale increases
• Accept fixed-term or probationary contracts
• Consider supply teaching income, in certain circumstances
Providing clear evidence of your employment contract, payslips, and expected progression can significantly improve your chances of securing a competitive mortgage deal.Supply teachers and teachers on fixed-term contracts are sometimes viewed as higher risk by traditional lenders. However, many specialist providers understand that these working arrangements are common within the education sector. Working with a broker who specialises in teacher mortgages UK can help you access lenders that recognise the reality of your profession.
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.
We also provide mortgage advice for other education professionals, including supply teachers, teaching assistants, and school leaders.
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.