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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: 6th October 2020*

There are many mortgage providers offering mortgages to firefighters. High street lenders, as well as more specialist lenders, will offer mortgage deals to public sector key workers such as firefighters.

To help save you some time and trouble we’ve put together this article so you can quickly and easily find information about:

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Are there mortgages specifically for firefighters?

Yes, some lenders offer specific mortgage products for firefighters (and indeed other types of key worker) that are designed to meet the specific needs of people of work in this field.

If you work as a firefighter you might struggle to find time to track down a mortgage deal to suit you.

With unpredictable shift patterns making it difficult to get things done in normal office hours, not to mention the number of mortgage deals available, you may find it tricky to know where to start your search.

And even when you do, without knowing some of the exclusive deals not available through high street lenders, understanding which fighters mortgages might be best for you can quickly get confusing.

Speak to an expert in dealing with mortgages for public sector key workers. Call us on 0808 189 2301 or make an enquiry and we’ll put you in touch with someone who will be happy to answer your questions and a lot of legwork too.

Qualifying for a firefighter mortgage

Although some lenders have mortgages designed specifically for firefighters, most lenders will expect you to meet their standard borrower eligibility requirements.

Usually, lenders will assess:

  • The amount of money you want to borrow
  • How much deposit you have
  • The type of property you wish to buy
  • Your employment (how long you’ve been in your job usually counts)
  • Your credit rating
  • Your affordability – this consists of assessing not only your income, but also your outgoings

One of the quickest ways to get an idea of how easy you might be able to get a mortgage, and therefore how simple you’ll find it to access the best deals is to talk to a whole-of-market mortgage specialist.

The mortgage brokers we work with have access to all the UK lenders. We work with brokers who specialise in mortgages for firefighters and can put you in touch with an advisor who understands which lenders are likely to offer the best deals for you.

What can I do if I’m a firefighter who’s struggling to get a mortgage?

One option you could consider potentially consider would be a Help to Buy mortgage, but be sure to seek specialist advice first, as there may be other alternatives.

Help to Buy (or HTB) is a government funded initiative designed to provide financial help to eligible people who are struggling to afford to buy. As a firefighter, you would likely be a strong candidate for such a scheme.

Help to Buy is made up of two schemes:

  1. Help to Buy Equity Loan
  2. Help to Buy Shared Ownership

To understand more about whether one of these schemes might suit you, see our Help to Buy article, where the topic is covered in detail.

Alternatively, speak directly to a specialist mortgage broker who will be able to tell you what you want to know and answer any questions you might have.

Mortgage deals for firefighters

Technically speaking firefighters can apply for the same range of mortgage products as the general public, from interest only mortgages to repayment and fixed-rate deals.

That said, several mortgage lenders offer mortgage products specifically designed for firefighters, although most of these lenders aren’t on the high street so aren’t easy to find.

Since being a firefighter means you have steadier earning potential and more job security than someone working outside the public sector, some specialist lenders will offer mortgage deals which let you borrow up to five times your income.

To qualify for this sort of mortgage you would usually need to be under 40 with a minimum 10% deposit.

However, deals like this can come with higher fees and stricter penalties which, on closer inspection, could make them less attractive than they might appear at first sight. This is the sort of thing a specialist mortgage broker will know and be able to advise you about.

Unless you have very specific needs or have a not-so-perfect credit score, you may be better off with a cheaper deal, so it’s worth shopping around.

How much can I borrow with a firefighter mortgage

According to Glassdoor, in July 2019 the national average salary for a firefighter was £31,302 per annum.

Based on an average firefighter salary of £31,000, you should expect to be able to borrow up to £139,500 from a high street lender.

However, if you were to find a lender offering specific mortgage deals for firefighters you could borrow as much as £155,000, assuming the maximum 5 times salary offered by some specialist mortgage lenders.

Mortgage on 4.5x salary£139,500
Mortgage on 5x salary£155,000

The above calculations are based on an average UK firefighter salary of £31,000. If you work as a Crew Manager, Watch Manager, Station Manager or Area Manager you would be able to borrow more, according to your increased salary.

If you are still in training you will probably be able to borrow less due to a lower income, but you should still be able to get a mortgage, even if you only recently began your training.

How to get a firefighter mortgage

The quickest and easiest way to get a firefighter mortgage is to find a mortgage broker who specialises in firefighter or key worker mortgages.

The brokers we work with have whole-of-market experience and wide understanding of which lenders might have the right kind of mortgage to suit your own specific needs and wants.

Speak to a specialist broker about mortgages for firefighters

Call us on 0808 189 2301 or make a quick online enquiry and we’ll put you in touch with an of mortgage broker experienced in securing mortgages for firefighters.

All the brokers we work with cover whole of market and have access to all the mortgage lenders across the UK.

We’ll introduce you to an experienced broker who will be happy to answer all your questions and advise you about the range of mortgages you could consider, according to your own circumstances.

Updated: 6th October 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 information 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.