If you are a Police Force employee and you are looking for some practical and advantageous mortgage advice, Public Sector Mortgages can help.
Our mortgage advisers are highly experienced in helping Police Force personnel secure tailored mortgage deals that are right for them. As a result, we have a good understanding of what might make applying for a mortgage trickier than for some. And naturally, what needs to be done to maximise the chances of a smooth application process.
We appreciate that shift work can make things more difficult, for example; and are careful to work around you and your work commitments. It is our goal to assess your individual circumstances, advise you accordingly based on these and secure you the mortgage that’s most suitable for you. And we know which lenders are likely be supportive, too.
Does borrowing around five times your annual income sound like the kind of mortgage you need? No problem. Our trusted advisers know exactly where to find such a deal.
Naturally, you would need to satisfy the lender’s qualifying criteria. Public Sector Mortgages can assess your current financial situation to ascertain whether it would be responsible and right for you to access such a deal. If it is, we can then go about presenting your mortgage application to the lender. If it isn’t, we can still help advise you on other options or what steps are most prudent to take next.
Experience means that we have a good understanding of what lenders expect; and we know that they don’t all have the same requirements or clauses. And because we have helped countless members of the Police Force to obtain their mortgages over the years, we are adept and swift at identifying your current circumstances and which lender – and which product – is likely to work best for you.
We know that some lenders will not take all overtime payments into account, for example. And we know that this can have a detrimental effect on the amount you would be able to borrow, as overtime is so often a significant part of an officer’s salary.
Fortunately, our knowledgeable advisers will also have some idea as to the lenders who will take that overtime into account.
Similarly, we are efficient at finding those lenders who will take additional payment for unsociable hours or secondments into account.
First and foremost, we appreciate the work that you do in order to keep the public safe. In a bid to reciprocate that dedication, we do all we can to ensure your mortgage application process is a smooth one.
Working flexibly around you, we keep you abreast of the latest and most fitting mortgage options available to you. And we take care of the administration too.
Naturally, we deal with your information as safely and securely as possible.
We present your application details as required by your chosen lender, ensuring they are aware of your stable earning potential and any other relevant factors.
So, why not contact us today? Get the right police mortgage with Public Sector Mortgages.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
Your home may be repossessed if you do not keep up repayments on your mortgage.