Mortgage advice for civil servants in the UK

Fox Davidson specialises in mortgages for civil servants. For over 15 years, we have worked with civil servants at all levels of government to secure market-leading finance terms from across the UK mortgage market. 

Civil servants are considered low risk by mortgage lenders due to their job security and excellent benefits packages. As a result, we work with lenders that can offer up to five or six times income mortgages and secure extremely competitive mortgage terms for civil servants.

What is classed as a civil servant?

A civil servant includes anyone employed in a UK government department or specialist agency.

Those working in local authorities, the NHS, police services and employed by Parliament are not classed as civil servants.

How do lenders view applicants employed in the civil service?

Mortgage lenders look favourably on anyone in secure employment with a good level of income.

Therefore, civil servants will tick most lenders’ boxes when it comes to job security, so it is easier to secure higher income multiples and higher loan-to-value lending for employees within the civil service.

How much can a civil servant borrow?

Lenders now work on affordability calculators.

Income multiples are still used to outline an absolute maximum amount they will lend but ultimately the amount you may borrow is determined by several factors.

A mortgage lender looking to lend to a civil servant will consider age, dependants, liabilities such as debt, school fees, pension contributions, the amount of deposit you have, and, of course, your income.

What is the maximum age a civil servant can get a mortgage?

Mortgage lenders will lend to civil servants up to your stated retirement age.

If you require lending past your retirement age, the lender will need to assess your income into retirement from your government pension and any other external income, such as property rental income or investments.

It is possible to secure a mortgage up to age 70 with most mortgage lenders, and some will lend to age 80 plus.

If I am posted abroad, will I still be able to get a mortgage?

Yes civil servants or armed forces personnel posted abroad are still eligible for a mortgage in the UK.

Not all mortgage lenders will lend, but we work with many that will.

What is the process for securing a civil servant mortgage?

Fox Davidson handles the entire mortgage process from completion of application forms, liaising with the lender, surveyor, estate agents, and the solicitor to bring about a swift conclusion of the house buying and re-mortgaging process.

We can work by phone, email, online, and in-person to meet your needs. With offices in Bristol and London, we work with many civil servants based at the MOD in Swindon and Whitehall in London.

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.