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Mortgages for Civil Servants

Are you a civil servant looking to secure a mortgage? Get the right advice in our guide.

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By Pete Mugleston  | Mortgage Advisor Pete has been a mortgage advisor for over 10 years, and is regularly cited in both trade and national press.

Updated: 21st February 2020 *

Many lenders look favourably on mortgages for civil servants, which might result in a wide choice of borrowing options so you can get the best deal when it comes to buying a home. 

Although being a civil servant may put you in good stead with lenders, bear in mind that your personal factors such as bad credit might affect how much you borrow, and what interest rate you’re likely to get.

To help you find out more about mortgages for civil servants, this article covers:

We work with a team of highly experienced mortgage advisors who have spent their careers helping many professionals, including civil servants.

Call us on 0808 189 2301 or make an enquiry today and we’ll put you in touch with an expert for free, impartial advice about your mortgage. 

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Are there specific mortgages for civil servants?

Some lenders may have specific products when a civil servant enquires about getting a mortgage. They may even have a special introductory mortgage interest rate or other benefits that are only valid for civil servants.

However, even if you’re a civil servant applying for a mortgage, this might not be something you’re aware of until you fill out a mortgage application. In some cases, specific mortgages for civil servants or special features may only be shared with the help of an experienced mortgage advisor.

Get in touch by calling us on 0808 189 2301 or by filling in our enquiry form and we’ll connect you with one of the whole-of-market mortgage brokers we work with. They will be happy to answer all your mortgage related questions and help you find a great mortgage deal to buy a home.

What roles are considered to be civil servant jobs when it comes to mortgages?

For the purpose of applying for a mortgage, you’re considered to be a civil servant if you’re employed by the Crown, government, in select local government roles and in some public service sector roles.

There are many roles that fall under this description, including:

  • People who work in government departments
  • Those who work for government ministers
  • Some roles within the NHS and police services
  • HM Prison roles
  • DVLA staff
  • Staff working for government agencies that report directly to government departments

Of course, some lenders might extend their views on mortgages for civil servants to include public servants. That would open any preferential mortgages, benefits and interest rates to many other job roles.

However, it’s likely that only a select few public sector workers would be considered eligible for any civil servant mortgage products that are available.

Why do lenders look favourably on civil servants when considering mortgages?

When lenders assess mortgage applications, among the many details that are reviewed and analysed are the risks associated with the applicants’ ability to repay their mortgage over the long-term. Provided their financial history is fair to good, civil servants applying for mortgages tend to be considered less risky propositions because of their:

  • Job security
  • Possibility of job progression
  • Ability to transfer and retain their experience and future pension

Where the risk is lower, lenders are more likely to offer a ‘better’ mortgage, one that comes with a lower rate of interest and even a longer introductory period of lower rates.

To ensure you have access to the best mortgages available for civil servants, speak with a mortgage broker. Advisors experienced in helping civil servants secure a mortgage will know which lenders have better deals for people working in that sector. 

How much can a civil servant borrow for a mortgage? 

The amount a civil servant can borrow will still be determined by each lender's affordability criteria. However, as outlined above certain providers may view this profession in a more favourable light than others when considering: 

  • Income
  • Size of deposit
  • Interest rate

Whilst the average salary for a civil servant is just under £27,000 most high-ranking officials will earn much higher amounts. When assessing how much you can borrow some lenders may choose to apply a higher income multiple of 5x salary, a few may go as high as 6x salary, whereas for other applicants they may apply lower multiples. 

Using the average civil servant salary of £27,000 this can make quite a difference to the amount you could borrow: 

6 x £27,000 = £162,000

4.5 x £27,000 = £121,500

Speak with an expert 

If you’re a civil servant looking for a mortgage that works for you, call us on 0808 189 2301 or make an enquiry for a free, no obligation chat. We’ll put you in touch with an expert with whole-of-market access, meaning that they can find the best rates for your circumstances that may not be available to the public.

Updated: 21st February 2020
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FCA disclaimer

*Based on our research, the content contained in this article is accurate as of most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The info on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs. Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.