Key Worker Mortgages

Key workers are the backbone of our communities, and many lenders recognise their contribution by offering tailored support to help them get on the property ladder. From higher income multiples of up to 5.5x salary to reduced fees and lower deposit requirements, a range of government-backed and private lender options are available. Eligibility, affordability, and lender criteria apply.

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Key Benefits

Discounted Home Prices:

Through schemes like the First Homes Scheme, you could save 30–50% on selected new-build properties.

Low-Deposit Mortgage Access:

The Mortgage Guarantee Scheme allows borrowing with as little as 5% deposit, reducing barriers to home ownership.

Developer Incentives:

Major developers often offer deposit contributions or upgrades for key workers purchasing new-build homes.

Favourable Lending Criteria:

Some lenders assess key workers more flexibly, offering higher income multiples or more lenient affordability checks.

Fee-Free Mortgage Advice:

At WIS Mortgages, all our advice is completely free of charge, helping you access the right mortgage without additional costs.

Eligibility Criteria and Requirements.

Who Can Apply?

NHS: Doctors, nurses, paramedics, admin staff
Education: Teachers, teaching assistants, early years educators
Emergency Services: Police, firefighters, prison officers
Public Sector: Social workers, armed forces, local council employees

What are the Requirements?

UK residency and employment
Minimum income (often from £25,000 p.a.)
Some lenders accept fixed-term or agency workers

Please note: Meeting these criteria does not guarantee mortgage approval. All applications are subject to underwriting and affordability checks by the lender.

Instant Mortgage Quoting

Use the quick and simple quotation system to get a mortgage quote in seconds.

How the Application Process Work?

Applying for a mortgage through our service is straightforward

Book an Appointment

Book an appointment with one of our advisers to discuss your mortgage requirements. Be transparent about your situation so we make the whole journey much smoother for you.

Download MortgagX app

Download MortgagX app, fill in a few key details, select the recommended mortgage product, upload your documents and relax till we get your mortgage sorted.

Completion

Enter your new dream home!

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Processing times vary depending on lender efficiency and individual case complexity.

Important Information And Regulatory Disclosure

Risk Warning

Your property may be repossessed if you do not keep up repayments on your mortgage.

FCA Authorisation

This service is provided by WIS Mortgages, which is authorised and regulated by the Financial Conduct Authority.

Fee & Commission Disclosure

We act as a mortgage intermediary and may receive commission from lenders. A fee may be payable for mortgage advice, which will be disclosed clearly in advance.

Adviser Disclosure

This content is for informational purposes and does not constitute personalised financial advice. Mortgage advice will be provided after assessing your individual circumstances.

Frequently Asked Questions

Find answers to some of the most common questions about mortgages, applications, and our services.

Possibly. Many lenders require a minimum annual income, but part-time workers may still qualify depending on overall affordability and employment contract type.

Yes – [Insert link]. Use it to estimate borrowing capacity based on your income and deposit size.

No. Key worker schemes typically apply only to residential property purchases, not investment or rental properties.

Yes—many lenders will consider regular overtime or shift pay, especially with a consistent track record in payslips.

Some lenders accept contract or locum arrangements, provided there’s a stable income history over at least 6–12 months.

In some cases, yes. Certain schemes and lenders support 95% LTV options, especially when combined with government initiatives.

Not typically—but some brokers may prioritise or specialise in key worker applications to streamline the process.

Yes. Two eligible key workers applying together may benefit from enhanced income multiples or stronger affordability outcomes.

Yes—location isn't usually restricted unless you’re using a scheme like First Homes, which may have local eligibility rules.

Yes. Being a key worker doesn't restrict you to first-time buyer status—you can apply whether you're moving home, remortgaging, or buying an additional property.

Want to Talk it Through?

020 3011 1986 help@wismortgages.co.uk

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*Call us from Monday to Friday (9am to 6.30pm) and Saturday (9.30am - 3pm) We accept applications over the phone