Working Hours: Mon - Fri: 9:00AM - 6:00PM

Call Us: 0330 304 3040

Back | How it Works

Securing an excellent mortgage offer with Revolution Finance Brokers couldn't be easier

1Get in Touch

Complete a quick form to give us an overview of your mortgage or financing requirements, and we'll provide recommendations about the best opportunities for you.

2Submit Your Application

Once you've chosen your preferred mortgage deal, we'll steer you through the paperwork with comprehensive application management from start to finish.

3Mortgage Completion

Revolution Finance Brokers will finalise the details and enable you to move forward without delay!

Get Started

Back | About

About

Back | Insurance

Business Protection Insurance

Life Insurance

Building Insurance

Home Insurance

Mortgage Repayment Protection

Family Income Benefit

Critical Illness Cover

Back | Calculators

Commercial Stamp Duty

How Much Can I Borrow?

Buy To Let

Bridging Loan

Residential & Commercial Bridging

Mortgage Repayment

Development Finance

Commercial Mortgage

Back | Choose your mortgage type

Choose your mortgage type

Mortgages for Teachers

Teachers are important professionals, and your role may be a factor in the mortgage products you qualify for. While keyworker mortgages no longer exist, this guide runs through the best ways to ensure you find the best rates on a teacher mortgage.

Get a Loan

Mortgages for Teachers

There are lots of mortgage options for education professionals, many of which consider variable income streams, temporary contracts, and offer significant benefits.

Here we will look at benefits to mortgages for teachers, and how to get the best lending deals on the UK mortgage market.

For independent advice and help with finding the right lender for your mortgage requirements, contact Revolution Brokers on 0330 304 3040 or send an email to [email protected].

Which Job Roles are Eligible for Teacher Mortgages?

Within the education sector, there are multiple professions and qualifications. If you are looking for a joint mortgage, only one of you must fall into one of these categories:

Early years counsellors and therapists
NQTs (newly qualified teachers)
Nursery staff with at least an NVQ3
Qualified teachers or university lecturers
Supply teachers with a verifiable work history.
TAs with at least an NVQ3 (teaching assistants)

Teaching professionals can find mortgages whether they are on a permanent or part-time contract, work through an agency, provide supply teacher services, or are in receipt of bursaries or other educational grants.

Explore Your Mortgage Options

About Your Mortgage

Single or joint mortgage?

Single

Joint

What’s your yearly income?

Error: Yearly income income must be between £1 and £10,000,000.

Do you receive a regular bonus?

Error: Regular bonus must be between £1 and £10,000,000.

Based On Your Yearly Income, You May Be Able To Borrow

This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Revolution brokers to see what options are available.

Get A Quote

£0

Most lenders will let you borrow 4.5 times your annual salary so, as long as you have a standard 10% deposit, you should be able to borrow this much.

£0

Depending on your personal circumstances, some lenders may let you borrow 5 times your salary.

£0

Lenders usually cap the amount they lend at 5.5 times your salary, so it’s unlikely you’ll be able to borrow more than this.

Are There UK Mortgages for Teachers on Temporary Contracts?

If you have a history of employment and have a few months left to run on a short-term contract, you should have no issue with finding a mortgage.

The more experience you have as a teaching professional, and the longer the duration of your contract, the lower-risk your application and the easier it will be to find a mortgage.

Can I Get a Mortgage as an NQT?

Yes, if you have changed careers, reskilled as a newly qualified teacher, or have achieved a new accreditation, mortgage advisors can offer support with securing a mortgage.

Many NQTs work on annual contracts, with options to renew for up to three years until or unless a permanent post becomes available.

We work with lenders who offer NQT mortgages, although this sort of product is only available from specialist providers, and is unlikely to be something you can find through a high street bank or mainstream lender.

Are There Mortgages for Supply Teachers in the UK?

One of the biggest challenges with finding a mortgage as a supply teacher is that your income isn't guaranteed, and your hours might change considerably.

In this scenario, contact the Revolution Brokers team for independent advice about lenders who can accept:

More flexible criteria with working history - usually needing at least a few months of income records to calculate an average.
Up to one year of employment history.
Case-by-case applications, dependent on your circumstances.

For joint mortgages, if one applicant is in permanent employment and the other is a supply teacher, you have a better chance of negotiating competitive rates.

Can I Get a Mortgage as a Retired Teacher?

If you are a retired education professional in receipt of a teacher's pension, you will have a stronger application than a retiree from a different field of work.

In most cases, your full pension entitlement can be used in the affordability calculations, whether you are retired, or nearing retirement age.

Do you Offer Special Mortgage Rates for Education Professionals?

Sometimes, a lender will offer discounted rates and special deals for key workers, which includes teachers.

The best bet is to use a whole-of-market broker like the Revolution Brokers team who can search the entire UK lending market to recommend the best deals available.

What Deposit Do I Need for a Teacher Mortgage?

As with other key worker roles, lenders can offer greater flexibility with deposit requirements.

Also, you might be eligible for government support schemes, including interest-free loans, to increase your deposit size.

Give the Revolution Brokers team a call for more information about assistance with mortgage finance.

Are There Mortgages Available for Teaching Professionals with Adverse Credit?

Lots of people struggle with credit issues, and you might find that a bank will reject an application if you have even minor problems on your credit profile.

However, bad credit lenders can offer mortgages in any number of scenarios:

Mortgages for teachers who have a bankruptcy discharged at least one year ago.
Teacher mortgages for applicants with a 15% deposit with CCJs or defaults on their credit history.
Education professionals with a history of late payments or mortgage arrears.
Lending for applicants who have a 15% deposit and a Debt Management Plan on their credit file.

Expert Advice with UK Teacher Mortgages

For more information about the ideal mortgage products for teaching professionals, or how to negotiate competitive lending terms as a key worker, contact Revolution Brokers.

We are available on 0330 304 3040, or via email at [email protected], and offer independent, straightforward advice to get you the mortgage lending you need at the best possible rates.

Explore Our Presence

Securing an excellent mortgage offer with Revolution Finance
Brokers couldn't be easier:

PROCESS

Revolution Mortgage Brokers:
100% Independent & Whole-of-Market

As specialist mortgage brokers for a huge variety of applicants, the whole-of-market consultants at Revolution provide access to an exceptional range of lenders, products and mortgage deals. That means you get the advantage of professional negotiation and broker-exclusives through an established lending network to ensure we always find you the most competitive mortgage available.

REFERRALS

Refer, Relax, and get £50

If you refer a friend for a mortgage or anytype of finance you’ll both receive £25 each when their
new application successfully completes.

Learn More

Ask the Expert

Mortgage Brokers

Revolution Mortgage Brokers understands that mortgages can be complex and confusing! Ask us any question you might have, and one of our skilled consultants will come back to you as quickly as possible.

Get Started Call 0330 304 3040 Mon - Fri: 9am - 6pm

Find out more about us

Mortgages for Teachers

Mortgages for Teachers

Which Job Roles are Eligible for Teacher Mortgages?

Based On Your Yearly Income, You May Be Able To Borrow