Police mortgages for officers, staff and their families
Fee-free mortgage advice from a broker that knows how police pay reads to a lender. We compare 110+ lenders to find the ones that count your overtime and allowances properly — and we are proud supporters of the Police Federation of England and Wales.
A police mortgage is an ordinary residential mortgage. What makes it different is the payslip. Basic pay, overtime, shift allowance and location payments all sit on separate lines, and each lender decides for itself how much of that it will use. Two lenders can look at the same officer and arrive at borrowing figures thousands of pounds apart.
Our job is to know which lenders will read your income fairly, present it the way they need to see it, and recommend a deal that suits your plans — including a transfer, a posting or retirement that may come before the fixed rate ends.
Who we help
- Serving police officers, including probationers and new recruits
- Police staff, PCSOs and special constables
- Officers on secondment or transferring between forces
- Retired officers living on a police pension
- Partners and families of anyone in the police service
First homes, moving home, remortgaging, buy to let and specialist cases. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
110+
lenders on panel, not tied to any of them
£0
broker fee, at any stage, ever
37
roadshow and clinic dates in the 2026 diary
4
forces hosting us this year, and counting
How lenders treat police pay
There is no single rule. The table shows the typical range across the market — the point is how widely lenders differ, not what any one of them will do.
| Income | How lenders typically treat it | What they usually ask for |
|---|---|---|
| Basic pay | Counted in full. This is the part every lender is comfortable with. | Recent payslips, sometimes a P60 |
| Overtime | Varies the most. Some lenders ignore it, some use a proportion (half is common) and some use all of it if it is regular. | Three to twelve months of payslips, or a P60, to show it is consistent |
| Shift and unsocial hours allowance | Often counted in full where it is paid every month. Some lenders treat it like overtime and use only part of it. | Payslips showing it is ongoing |
| London weighting and other allowances | Many lenders add London weighting to basic pay. Location, housing and regional allowances are treated less consistently, and some lenders leave them out. | Payslips, sometimes confirmation from your force |
| Police pension (retired officers) | Normally accepted as income. Lenders look at your age at the end of the term and how the pension compares with the repayments. | Pension statement or annual award letter |
Probationers, PCSOs, specials and staff on fixed-term contracts or secondment can also trip up automated checks built around one salary and one employer. None of these rule you out; they narrow the list of lenders worth approaching. If you want a quick figure first, you can see what you could borrow in a couple of minutes.
Lender criteria change often and depend on your full circumstances. Nothing here is a guarantee that a particular lender will use a particular income.
Police mortgage deals, schemes and help
Do police officers get special mortgage rates or help with mortgages?
Most lenders do not offer rates or products reserved for police officers. There is no government mortgage scheme just for the police either. The real help is in lender choice: finding the lenders whose criteria count more of your income, accept your contract type and suit your plans.
General schemes can still apply. In England, some councils offer First Homes — discounted new builds for first-time buyers — and can give local key workers priority, although supply depends heavily on the area. Shared ownership is another route for people who cannot yet afford a whole home. We will tell you honestly whether either is worth considering.
How do I find the right police mortgage deal?
Officers can choose from the same deals as everyone else. The right one is the lowest overall cost from a lender that will lend what you need — which is where police pay makes the difference. We also weigh portability if a transfer is likely, and overpayment allowances if you want to put overtime towards the balance.
Can you arrange police loans or loans for police officers?
No. We are a mortgage and protection broker, and we do not arrange personal loans. If you own your home, extra borrowing through a further advance or a remortgage is sometimes an option for home improvements or to consolidate debts.
Think carefully before consolidating. It secures debts that were unsecured against your home, and spreading them over a mortgage term can mean paying more interest overall even at a lower rate. Your home may be repossessed if you do not keep up repayments.
Police mortgages in London
With London prices, the income a lender uses matters even more, and whether London weighting and allowances are counted in full can decide whether an application works at all. We advise officers in London and the South East by phone and video, around your shifts.
How it works
You get in touch
Use the form or call 0800 779 7907. A short conversation, booked around your shifts, including evenings.
We work out your real figure
We go through your payslips line by line and match your income to the lenders that will use the most of it.
We recommend and apply
One recommendation with the reasons in writing. If you go ahead, we submit the application and deal with the lender.
We see it through
We keep the lender, solicitor and valuer moving to completion, and send you updates without you having to chase.
Protection for officers
Check what you already have before buying more.
Many officers already have some cover. The police pension schemes include benefits on death in service and ill-health retirement, and local Police Federation branches run group insurance schemes for members. What each one pays, and for how long, depends on the scheme and the policy terms.
We look at what is already in place, including cover through a partner’s employer, before suggesting anything. Sometimes the answer is nothing.
Worth a look
- Life and critical illness insurance to clear or reduce the mortgage
- Income protection if sick pay would not cover the payments
- Whether existing cover still fits a larger mortgage or a new family
Supporting the Police Federation
Advice in the buildings, not just on the website
We are proud supporters of the Police Federation of England and Wales. Most weeks of the year one of our advisers is in a federation office or station answering questions in person.
In person
Roadshows and clinics
Thirty-seven dates in 2026 across Lancashire, Surrey, Cleveland and Sussex: federation offices, stations and a “Family Matters” webinar. We stay for the day so people can stop by between jobs. See the 2026 dates.
- No appointment, no pressure, no obligation
- Bring a payslip if you have one and ask what you could borrow
- Follow-ups booked around your shift pattern
The commercial bit
Never a fee to you
We are paid by the lender on completion, so the advice costs you nothing whether you go ahead or not. A broker fee is money you cannot get back if a purchase falls through.
- No fee to arrange, and none if it does not complete
- Not tied to any lender, so no steer on the recommendation
- Protection reviewed alongside, never sold separately
Beyond the police
The Armed Forces Covenant, too.
We are signatories of the Armed Forces Covenant and hold the Employer Recognition Scheme Silver Award.
The Covenant is a promise that those who serve, or who have served, and their families are treated fairly. The Silver Award recognises employers who go beyond signing it — in our case, advisers who understand service pay and postings, and who know how Forces Help to Buy is treated by different lenders.
It is a separate commitment from our support for the Police Federation, and we keep the two distinct.
Police mortgage FAQs
Is this only for warranted officers?
No. Police staff, PCSOs, special constables, retired officers and family members all get the same fee-free advice, and all are welcome at a roadshow. If you work for the service in any capacity, the answer is yes.
Can I get a mortgage while I am still a probationer?
Usually. Many lenders accept probationers in a permanent police role, though some want to see a few months of payslips first, and overtime earned early on may not be counted until there is a track record. Choosing a lender that is comfortable with your stage of service avoids an unnecessary decline.
Can I get a mortgage on a police pension?
Yes, many lenders accept a police pension as income, and some will lend well into retirement. The term, your age at the end of it and whether any lump sum is going towards the purchase all affect which lenders fit. We can also look at this before you retire, while your salary is still being paid.
Does supporting the Federation cost me anything?
No. Our support for the Police Federation of England and Wales does not change what you pay, because there is nothing to pay. We are paid by the lender on completion, exactly as we are for any other client.
Can you come to my force?
Usually, yes. Email henry@quickmortgages.com or use the form on the roadshows page and tell us your force area. Henry arranges the diary and will come back to you about dates.
Find out what lenders will really count.
A short call with an adviser, fitted around your shifts. No fee, no obligation, and an honest answer about where you stand.