Police Mortgage Specialist

Mortgages for Police Officers

Police pay includes shift allowances, overtime, housing allowance, and regional supplements that many lenders overlook. We find lenders who count your full police income, maximising what you can borrow.

Overtime recognisedPolice pension understoodShift pay includedNo upfront fees
Prefer to call? 0844 884 9748 (Mon-Sat 9am-7pm)
Step 1 of 3Type Selection

What type of mortgage do you need?

Select the option that best describes your property financing requirement. Our brokers specialise in complex London and international structures.

Roger Cooper

"Our goal is to understand your unique situation. Select a category and we'll match you with the right product and lender."

— Roger Cooper, Senior Mortgage Adviser

Why police officers need specialist mortgage advice

Police pay is more complex than a standard salary. The right broker ensures every allowance and supplement is counted.

Police housing allowance

Some officers still receive housing allowance as part of their pay. We work with lenders who include this when calculating your borrowing capacity rather than ignoring it.

Shift pattern income recognised

Police shift allowances and unsocial hours payments form a significant part of your income. We find lenders who count these enhancements, not just your basic pay.

Rank progression considered

Police career progression is structured and predictable. Some lenders take future rank progression into account, which can increase what you can borrow as a recently promoted officer.

Police pension understood

Police pension contributions are higher than most occupations, reducing your take-home pay. We find lenders who assess your income fairly and do not penalise you for strong pension provision.

Overtime recognition

Regular overtime is common in policing. We identify lenders who will include overtime income in your application, particularly if you can evidence a consistent pattern over 6-12 months.

Regional pay differences

London weighting, South East allowances, and regional pay supplements vary between forces. We ensure every element of your police pay package is presented to lenders correctly.

How it works

From first enquiry to mortgage offer, we handle everything. Most police officer applications complete within 4-6 weeks.

01

Tell us about your police role and income

We review your full income picture including base salary, rank, shift allowances, overtime, housing allowance, and any regional supplements. This takes one phone call or online enquiry.

02

We search 90+ lenders for the right deal

We identify lenders who fully recognise police pay structures and find the most competitive rates for your circumstances. Police officers often qualify for better deals than they realise.

03

We present your options clearly

We explain the best 3-5 mortgage options in plain English — rate, monthly payment, total cost. We make a clear recommendation based on your situation and priorities.

04

We handle the full application

From submission to mortgage offer, we manage the entire process. We liaise with the lender, chase valuations, and keep you updated at every stage. Most police officer applications complete within 4-6 weeks.

Police officer mortgage FAQs

Do lenders accept police overtime as income?
Some do. Many high street lenders only count basic salary, but several will include regular overtime if you can demonstrate a consistent pattern over 6-12 months. As a specialist broker, we know exactly which lenders include police overtime and how to evidence it effectively in your application.
How does my police pension affect my mortgage?
Police pension contributions are typically higher than average (around 12-14% of salary), which reduces your net income. Lenders handle this differently — some assess affordability on gross income before pension deductions, which works in your favour. We select lenders whose approach maximises your borrowing capacity.
Can I get a mortgage as a newly recruited police officer?
Yes. Police constable roles offer strong job security and a clear pay progression structure, which lenders view favourably. Even during your probationary period, most lenders will proceed with your application based on your confirmed starting salary and rank.
Will my police housing allowance count towards my income?
If you receive replacement housing allowance (applicable to officers who joined before a certain date), some lenders will include this as income. Not all lenders recognise it, so using a broker who knows which ones do is important for maximising your borrowing.
I work in a specialist police unit with irregular hours — will this affect my mortgage?
Irregular hours should not affect your mortgage application negatively. In fact, specialist roles often come with additional allowances that can increase your income. The key is using a broker who understands how to present police pay structures including specialist unit pay to lenders.
Are there any mortgage schemes specifically for police officers?
While there is no government-backed scheme exclusively for police, several lenders offer preferential terms for emergency service workers. Some also have more flexible criteria for public sector employees with secure employment. We identify any schemes or lender preferences that benefit police officer applications.

Related services

First Time Buyer Mortgages →

Buying your first home as a police officer — we guide you through the whole process.

Remortgage →

Already have a mortgage? We find competitive remortgage deals that recognise your police income.

Firefighter Mortgages →

Specialist mortgage advice for firefighters with similar shift pattern and pension considerations.

Mortgage Protection →

Life cover, critical illness, and income protection arranged alongside your mortgage.

Ready to find your mortgage?

Get your free consultation today. We understand police pay structures and find lenders who count your full income.

Get a Free Initial QuoteCall 0844 884 9748

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

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