Mortgages for
Key Workers
Key Workers
Your complete guide to getting on the property ladder
Getting started with your mortgage as a key worker
If you’re a key worker looking to buy your dream property, take your first steps on the property ladder, or remortgage your home, you may be eligible for exclusive mortgage products.
We work with specialist lenders who recognise the important role key workers play and offer tailored mortgage solutions to support you on your homeownership journey.
The benefits of keyworker mortgages
- Competitive interest rates
- Cashback upon completion
- Free valuation
- Increased borrowing to key worker homebuyers
What is a key worker mortgage?
‘Key worker’ mortgages are specialist mortgage products designed to help key workers with different incentives.
These rates may come with more generous affordability ‘stress tests’, meaning you could borrow more than with a standard mortgage rate, and often at a more competitive price point.
Who qualifies as a key worker?
Typically, you may be eligible for a key worker mortgage if you work as a:
- NHS clinician (e.g. nurses, paramedics, etc.)
- Doctors
- Police officers
- Firefighters
- Teachers
- Armed forces personnel
This isn’t necessarily an exhaustive list, and it may be that some lenders only offer to certain types of key workers.
To see whether you’re eligible for a key worker mortgage, speak to our team.
How much can I borrow?
For standard homebuyer mortgages, lenders will allow you to borrow approximately 4.5 times your annual income. However, as a key worker, you may be able to borrow up to 5.5 times your income.
How much you can borrow depends on your circumstances and your lender, so it’s best to speak to an expert first.
Mortgage Calculators
Our easy-to-use tools allow you to see how much you can borrow, find your mortgage rate, and how much your monthly repayments will be. All you have to do is fill in a few details.
Mortgage calculatorsA Guide to Mortgages for Key Workers
Our guide covers the types of rates and enhanced criteria you could access when applying for your mortgage.
What our clients say…
We could go on all day about what makes us great, but our client's reviews speak for themselves
Why work with MFB for your home mortgage?
Our friendly team of experts are here to support you every step of the way on your mortgage journey. Not only do we bring over 35 years of experience in specialist mortgage advice, but our whole-of-market access means we can find you the best deal available to suit your needs.
What’s more, our relationships with specialist lenders mean we get access to exclusive mortgage products you couldn’t secure when going directly to a lender.
Meet your mortgage makers.
Talk to an expert
Have all the facts and figures you need to purchase or remortgage your property? Our experts will make the whole process easier for you! Give us a call or choose a convenient time for us to call you. Drop us an email or chat with a human on our live chat.
Learn More About Homebuyer Mortgages
Find my mortgage
Explore thousands of rates to find the best mortgage deal for your home.
How much can I borrow?
Enter a few details into our mortgage calculator for a clear estimate of the mortgages available to you.
Home Purchase
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Home Remortgage
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