Head of Content
Mortgage Advisor & Director
Mortgages for firefighters
As a firefighter, you have various options available when it comes to applying for a mortgage. There are specific mortgages available to firefighters that meet their particular set of needs.
Our team are experienced in helping firefighters secure mortgages and have access to market-leading deals from specialist lenders.
Even with a mortgage designed specifically for firefighters, lenders will also consider other factors with your application:
- Level of borrowing
- Deposit available
- Credit history
- Length of employment
- Property type
- Affordability
How much can I borrow?
As with other mortgages, the general 4.5 times salary will apply to firefighters. However, specialist lenders are offering up to 5 times your salary if you were looking to borrow more. Based on a single salary of £30,000, this means you could borrow between £135,000 to £150,000.
The amount you can borrow will increase if you are applying as a joint mortgage to account for the second salary.
Are there any other options available?
Yes, if you are struggling to get a traditional mortgage, as a firefighter you would be a strong candidate for a Help to Buy mortgage. We would, however, recommend speaking to one of our team first to check this is the right path for you. The Help to Buy scheme is operated by the government and is made up of the Help to Buy Equity Loan scheme and the Help to Buy Shared Ownership scheme.
How can I learn more?
If you are confused or worried about securing your mortgage, contact our team of experienced advisors.
We appreciate that as a firefighter, you are unlikely to work regular hours and may not have time in the working week to sort out mortgage paperwork. At Teito, we are a whole-of-market service, meaning we can access deals inaccessible to the general public; including those from specialist lenders for firefighters. Contact us today to learn more or complete our simple form to start the process.
Get your mortgage in principle certificate in 5 minutes
Choosing an Adviser
Selecting a qualified and experienced mortgage adviser is of great importance. To choose a suitable adviser, evaluate their qualifications, experience, and reputation, and ensure they are regulated by the Financial Conduct Authority (FCA).
Read reviews from previous clients and make sure they provide a clear explanation of the products and services they offer, as well as the fees and charges associated with them.
Last updated 29 February 2024