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You keep the country running. We help you find the right key worker mortgage, completely fee-free, with access to specialist lenders who genuinely understand your income and career.
Both high street banks and specialist lenders operate in the key worker mortgage market. Specialist lenders often offer enhanced income multiples and more flexible affordability assessments than standard high street criteria. Here are some of the lenders active in this space:
Halifax, Nationwide, Teachers Building Society, Natwest, Santander and many more.
No broker fees on mortgages over £100,000
Hundreds of lenders searched
Understand shift pay & irregular income
FCA Number 1011890
"We will never charge you a penny for our service. Our advice is 100% fee-free on mortgages over £100,000, from first consultation all the way through to completion." - Alexander Southwell Mortgages
Key workers include anyone employed in a public sector or essential service role. This covers NHS workers, teachers, police officers, firefighters, social workers, armed forces personnel, and foster carers. Some specialist lenders also extend their criteria to civilian support roles. If you are not sure whether you qualify, speak to one of our advisers and we will check for you.
NHS Staff
Nurses
Doctors & GPs
Dentists
Teachers & Lecturers
Police Officers
Firefighters
Armed Forces
Social Workers
Foster Carers
Prison Officers
Not sure? Ask us
We know you're busy. Our advisers do the heavy lifting: searching specialist lenders, handling paperwork, and guiding you from first call to completion.
A free call to understand your situation, your employment type, income structure, and what you are looking to achieve. No commitment and no fees.
We search our full panel of specialist lenders, including those who accept shift allowances, overtime, bank contracts, and NHS Agenda for Change pay grades, to find the most suitable deal for you.
We handle the application and stay with you through exchange and completion. No fees from start to finish.
Buying your first home as a key worker? Several government schemes can help make homeownership more affordable. Whether you are considering Shared Ownership, Right to Buy, or the First Homes Scheme, we can advise on which option suits your circumstances and search the whole of market to find the right mortgage to support it.
Buy a share of a home (often between 10% and 75%) and pay rent on the rest. You can staircase to full ownership over time as your income grows.
Council tenants can purchase their home from the local authority, often at a significant discount that can act as your deposit.
New-build homes sold at a minimum 30% discount to local first-time buyers. The discount is preserved for future owners too.
We work with lenders who consider applicants with CCJs, defaults, IVAs, or other adverse credit history. Don't rule yourself out.
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