Teacher Mortgage Advice for Education Staff
We're one of the UK's leading specialists in Teacher Mortgage Advice for Education staff. Speak to us today to see what we can do for you.
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Competitive rates from High Street banks
Our expert advisors specialise in Teacher Mortgages. We have likely seen your problem every day.
Our clients include:
- Teachers
- Newly Qualified Teachers (NQTs)
- Supply Teachers
- Retired Teachers
- Trainee Teachers
- Teaching Assistants
- Lecturers
We can use your salary or bursary income to usually get your Teacher Mortgage with a High Street Lender.
In most circumstances we can help you borrow up to 5.5 times your gross annual salary. Using Teacher Mortgage lenders that offer fantastic exclusive deals.
About Teacher Mortgages - UK's Leading Teacher Mortgage Broker
If you’re reading this you are likely a Teacher that is having difficulty with their mortgage. We can help.
Get in touch today and one of our specialist Mortgage Advisors can give you an initial fee-free consultation. During the call we’ll assess your income and situation and tell you how much you can afford to borrow.
If you are an Early Career Teacher (ECT) / Formally Newly Qualified Teacher (NQT) or Supply Teacher we can help you even on a fixed contract.
Teacher Mortgages provides specialist mortgage advice bespoke for Teachers and Education Staff. This is from training as a Teacher on a bursary or fixed term contract all the way through to retired Teacher mortgages.
Give us five minutes of your time and we’ll advise you on how much you can borrow. Our specialist Teacher Mortgage advisors will look at your personal situation, establish what your goals are and then recommend the best mortgage and protection for your needs.
Find the right Teacher mortgage today
Teacher Mortgages are our specialty!
Our specialist mortgage advisors are all experts in Mortgages for Teachers. From Trainees to Supply they know every situation inside and out and have seen it all before.
We help Teachers from across the UK, including Northern Ireland and Scotland.
We even help with Teacher Mortgages for people that have had a few minor credit blips in the past. With our fee-free consultations it’s always worth seeing what we can do.
Our clients regularly face the following circumstances:
- 5% deposit
- Bad credit
- 5.5 times income
- Less than 1 year Supply
- Still training
- Not completed your ECT years
Understanding Teacher Mortgages
Teacher mortgages are tailored financial solutions designed specifically for professionals in the education sector. These mortgages are designed to acknowledge the stable income and long-term career prospects associated with teaching. They often come with exclusive benefits, including favorable interest rates, higher loan-to-value ratios, and flexible eligibility criteria.
Benefits of Teacher Mortgages
Teacher mortgages offer several advantages that can make homeownership more accessible for educators. One of the primary benefits is the potential for favorable interest rates. Lenders often consider the stability of teaching positions and the reliable income associated with the profession when determining interest rates, potentially resulting in lower monthly repayments. Additionally, some teacher mortgage schemes offer higher loan-to-value ratios, allowing borrowers to secure a mortgage with a smaller deposit, which can be particularly beneficial for first-time buyers.
Tips for Securing a Teacher Mortgage
To increase your chances of securing a teacher mortgage, there are a few tips you can keep in mind. Maintaining a good credit score is crucial, as lenders will assess your creditworthiness during the application process. Paying bills on time, avoiding unnecessary debt, and keeping credit card balances low are some effective ways to maintain a healthy credit score. It’s also essential to have all necessary documents readily available, including proof of income, employment details, and identification documents, as these will be required by lenders during the application process.
