Mortgage guides for key workers and public-sector applicants

Important information about these guides

Mortgage Bridge acts as a mortgage introducer and provides general information and administrative support. These guides are for educational purposes only and should not be relied upon as mortgage advice, a recommendation or an assessment of your eligibility or suitability.

Mortgage Bridge does not assess mortgage suitability, determine eligibility, recommend products or make lending decisions. Any review of enquiry information by Mortgage Bridge is administrative only. Any regulated mortgage advice is provided separately by an adviser acting through a network authorised and regulated by the Financial Conduct Authority, following an assessment of your individual circumstances.

“Key worker mortgage guides” describes the subjects covered in this category. It does not mean that a single mortgage product or scheme is available to everyone in these occupations. References to occupation-specific products or housing schemes do not establish that a particular arrangement is currently available or that you qualify for it.

Lenders may differ in whether they accept overtime, allowances, shift enhancements or other variable earnings, how much they recognise and the evidence they require. A job title, an employment contract or an explanation of income does not, by itself, establish the amount a lender will accept.

The payslip calculator provides an illustration based on its inputs and assumptions. It does not confirm the income a lender will use, how much you can borrow or whether a mortgage is affordable or available to you.

Mortgage availability depends on individual circumstances, affordability, credit history, the property and current lender criteria. Acceptance is not guaranteed. Criteria, products, schemes and evidence requirements can change. An adviser acting through an FCA-authorised and regulated network can assess your circumstances and explain which options, if any, may be available.

If you make an enquiry, we can provide administrative support and introduce your enquiry to an adviser. Mortgage Bridge has commercial referral relationships and receives a percentage of the commission earned by the adviser on introduced cases that complete. We therefore have a financial interest in those cases completing.

Read more about our role and how enquiries are handled in our About Us page, Terms and Conditions and Privacy Policy.

Any property used as security, including your home, may be repossessed if you do not repay borrowing secured against it.