Mortgages For Civil Servants

We provide high quality mortgage solutions for Civil Servants based in & outside the UK.

• Mortgage finance from £100,000
• Market leading rates
• Access to high street, private & specialist bank mortgage deals
• Up to 95% loan to value (residential mortgages)
• Up to 80% loan to value (buy to let mortgages)
• Interest only and interest roll up options
• We can help if you have complex income 
• Solutions for UK expats, non-dom & foreign nationals buying or remortgaging UK property
• Fast professional service. We understand that sometimes finance needs to be arranged quickly!
• If you have assets that you would like to be leveraged as part of the transaction such as your investment portfolio, other property or pensions; our team can look at leveraging these assets to negotiate more flexible lending criteria and more favourable interest rates, to help you get the best deal

*Overall Cost For Comparison

Through our market knowledge we can deliver enhanced, bespoke or exclusive terms.  

Call us on 0203 900 4322 to discuss your requirements or book a consultation below.

Book Consultation »

Civil Service Mortgage: What to Expect 

If you’re a civil servant, you may have access to advantageous mortgage terms based on the skills, qualifications, and job stability associated with government work.  

Mortgages are a significant financial commitment repaid over 15 – 40 years. Because of this, there is a level of perceived risk to lenders that you may not keep up with your mortgage payments. Lenders typically use your employment circumstances and credit score to understand how reliably you can repay your mortgage over time.  

When mortgage lenders assess your eligibility for a mortgage, they will scrutinise your employment, earnings, and credit score. 

It’s common for high earners to get favourable mortgage terms, but you don’t necessarily need to be wealthy to get a good mortgage deal. Having a steady, reliable income and clear career trajectory is just as crucial to mortgage providers because it allows them to get a clear idea of what payments you’ll be able to afford in the coming years.  

This is especially the case if you are buying property in an area where housing is more affordable. You may not necessarily need to borrow the most, and you can use your position as a skilled individual with a stable income to get better rates or a higher LTV. 

In This Guide:

Do Civil Servants Get Better Mortgages?

What Occupations Are Classed as Civil Servants?

What Mortgage Benefits Do Civil Servants Get?

Why Do Civil Servants Have Access to Better Deals? 

Mortgage Calculator 

How We Can Help

Do Civil Servants Get Better Mortgages? 

Civil servants can access more favourable mortgage deals because mortgage lenders value stability and progression in their employment circumstances. The civil service, in particular, is widely regarded as having good job security and opportunities for career progression.  

It’s acknowledged that government positions have stringent processes so that the admin can be slow-moving in the public sector. The hiring process in the civil service can be long, so once a role has been filled, teams want to hang on to the talent they have.  

Many public sector roles can allow you to build a competitive skillset, offering good career prospects in the private sector, too. Some lenders view occupations with this level of scope and security as less risky, and it’s possible they will offer you better mortgage terms because of it. 

This could mean access to favourable rates, a higher LTV or they may allow you to borrow 5-6 times your salary instead of the usual 4.5.  

What Occupations Are Classed as Civil Servants? 

A civil servant is a person a government or governmental agency employs to perform administrative, managerial, clerical, or technical work for the public sector.  

Civil servants typically work in various government branches, such as health, education, law enforcement, transportation, finance, and social services. They are responsible for implementing government policies, delivering public services, and ensuring the smooth functioning of government operations. 

Civil service roles can include anything from admin and digital comms for government task forces to working for the Home Office or MI5. Due to the sheer range of opportunities, civil service has the potential to offer a lengthy and diverse career trajectory, with scope for higher earnings and responsibilities.  

What Mortgage Benefits Do Civil Servants Get?

Three key mortgage benefits may be available to you as a civil servant:

1. Better Interest Rates 

Select lenders may offer reduced mortgage rates to professionals working in industries they view as favourable. If your specific role has the potential for higher earnings and progression, it’s even more likely that this is a possibility.  

However, rates can and will fluctuate throughout your mortgage—getting reduced rates isn’t always possible, no matter what industry you work in, and there are other mortgage benefits you can focus on that may save you more money over time. 

2. Higher LTV 

New lending products are on the market that offer 95% mortgages to professionals. In today’s climate, it can be difficult to save a large deposit, so this can be an advantage if you’re looking to get on the housing ladder with limited savings.

3. Borrow More 

Standard mortgages will typically allow you to borrow 4.5 times your income. It can be challenging to find a property that fits this budget, particularly if you are in the early stages of your career or buying with a single income. It’s possible for civil servants to get as much as 5 or 6 times their mortgage with the right help. 

This is where working with a broker can be especially helpful because an experienced broker can present your job stability and the many benefits of being a civil servant in a positive light to the lender. 

*Overall Cost For Comparison

Why Do Civil Servants Have Access to Better Deals? 

There are a lot of advantages to working in the public sector. Many departments within the civil service offer opportunities for training, professional development, and career advancement. This can include access to workshops, seminars, and educational programs to build on your skills and qualifications. 

It is also well-known that civil service workers are typically offered competitive pension plans and retirement benefits. As we have already mentioned, civil servants are subject to protection against arbitrary dismissal, offering them greater job security and opportunities for long-term employment than in the private sector. 

These benefits all come into play when it comes to getting a mortgage. Retirement has become something of a distant memory for many vocations in the private sector, so particularly for older civil servants, having a favourable pension can certainly help. The key here is approaching the right lender and knowing how to present these benefits in the right way to mortgage providers.  

A specialist mortgage broker will have established relationships with lenders across the market and can negotiate on your behalf. You likely have excellent job stability as a civil servant,but it's also common for civil servants to build a competitive range of skills within their work, which typically will offer good senior job prospects in the private sector.  

Experienced brokers can present these factors in your mortgage application, which may give you access to competitive mortgage deals. 

How Long Do You Have to Be in Employment Before You Can Get a Mortgage? 

Lenders typically prefer borrowers who have a stable employment history with consistent income. While a specific duration is not required, having a steady employment history for at least two years is often seen as favourable. 

If you're a new employee or have recently changed jobs, some lenders may require you to complete a probationary period before considering your income stable. This probation period can vary but is often around 3 - 6 months. 

How Much Could You Borrow? 

Use our mortgage calculator below to understand how much a civil servant mortgage could cost. 

How much can I borrow?

Borrower 1 Income: Borrower 2 Income:

How We Can Help 

An experienced broker can put you in touch with the right lender for your circumstances and guide you through the application process. At Clifton Private Finance, we specialise in arranging mortgage finance on residential and buy to let property across the UK. 

Our dedicated team of brokers can guide you through your options. As a whole-of-market brokerage, we have relationships with high street, private and specialist lenders and access to market-leading rates.  

Our team offers tailored advice on the best route to take and find you the best deal for your circumstances. 

To see what we can do for you, call us on 0203 900 4322 or book a free consultation below. 

Book Consultation »