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Mortgage advice for Teachers

If you are a teacher or work in education and are looking for mortgage & protection advice then you are in the right place. Prospect Tree can help you find the best mortgage rates available to you and your individual circumstances. Whether you are buying your first home, remortgaging or moving elsewhere. Prospect Tree Mortgages can help you.

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Mortgages for the Education Industry

Prospect Tree Mortgages understand that working in Education often means no two days are the same. Whilst many believe that Teachers have an abundance of time off, we understand that much of this time will be spent either in training, planning lessons, marking books, running after school clubs, or talking to parents.

Given this huge level of responsibility and pressure, we find that our flexible approach to mortgage advice really helps teachers get the information they need around their busy schedules.

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How do lenders view teachers
How do lenders view a teachers mortgage application

Lenders look at those in the teaching profession very favourably. Considering most salaries will see a yearly increase, they will generally have confidence in the longevity in income which helps reduce risk factors when underwriting the mortgage.
Like all professions, the loan you will be offered will always be mainly based on ‘affordability’. If you are curious about how much you can borrow, speak to one of our experts today.

Lenders look at those in the teaching profession very favourably. Considering most salaries will see a yearly increase, they will generally have confidence in the longevity in income which helps reduce risk factors when underwriting the mortgage.
Like all professions, the loan you will be offered will always be mainly based on ‘affordability’. If you are curious about how much you can borrow, speak to one of our experts today.

Find out now
Specific teachers mortgages
Are there specific teachers mortgages?

The likes of ‘Teachers Building Society’ offer mortgage deals specifically for teachers. However, just because the products are exclusively for teachers, it doesn’t necessarily mean that they are the best deal for teachers.
You would be far better off speaking to a whole-of-market mortgage expert such as us who can compare deals from the entire marketplace to find the right fit for you.

The likes of ‘Teachers Building Society’ offer mortgage deals specifically for teachers. However, just because the products are exclusively for teachers, it doesn’t necessarily mean that they are the best deal for teachers.
You would be far better off speaking to a whole-of-market mortgage expert such as us who can compare deals from the entire marketplace to find the right fit for you.

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Contracts
Fixed term & temporary contracts

If you have a fixed term or temporary contract you could still be able to get a mortgage. If this applies to you, having a provable track record of employment would be helpful.
Lenders will always consider the risk of the applicant no longer being able to afford the repayments. If there are question marks over the applicants ongoing employment, red flags would be raised.

If you have a fixed term or temporary contract you could still be able to get a mortgage. If this applies to you, having a provable track record of employment would be helpful.
Lenders will always consider the risk of the applicant no longer being able to afford the repayments. If there are question marks over the applicants ongoing employment, red flags would be raised.

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Teachers Pensions
Teachers pensionsand mortgages

Pensions are one of the most secure income types that there are. Due to this, so long as you have the right lender, using your pension income should be a relatively straightforward process.
The good news is that Prospect Tree Mortgages are whole-of-market experts and we will be able to find the lender that best suits your individual needs. Contact one of our experts today and get started.

Pensions are one of the most secure income types that there are. Due to this, so long as you have the right lender, using your pension income should be a relatively straightforward process.
The good news is that Prospect Tree Mortgages are whole-of-market experts and we will be able to find the lender that best suits your individual needs. Contact one of our experts today and get started.

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Teachers Pensions
We’re here to help teachers

As we have mentioned, Prospect Tree Mortgages are independent, whole of market experts. This means that we can scour the whole market to find the best deals available to you. We will assist you which each part of your application and do so at a time and place which is convenient to you.
Whether you are just starting to think about buying, or have already started selling your home, we are able to help you.

As we have mentioned, Prospect Tree Mortgages are independent, whole of market experts. This means that we can scour the whole market to find the best deals available to you. We will assist you which each part of your application and do so at a time and place which is convenient to you.
Whether you are just starting to think about buying, or have already started selling your home, we are able to help you.

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