News Police, NHS and forces
How lenders treat overtime, allowances, postings and service life.
Public service pay often includes overtime, shift allowances and enhancements that some lenders count in full, some in part and some not at all. These guides explain what makes a difference for police officers and staff, NHS workers and armed forces personnel, including buying while posted overseas.
Few mortgages are reserved for these jobs. The advantage usually comes from choosing a lender whose criteria suit the way you are paid.
Guide · Updated September 2026 · 7 min
Most lenders don’t offer police-only rates, but their rules differ. How overtime, unsocial hours pay, London allowances, probation and police pensions are treated, and how to borrow more.
Guide · Updated September 2026 · 8 min
Most lenders don’t offer a special NHS mortgage, but some count bank shifts, overtime, enhancements and rotating contracts. How NHS pay is assessed, how much you could borrow and the schemes open in 2026.
Guide · Updated September 2026 · 8 min
There’s no special military mortgage in the UK, but there is help. How Forces Help to Buy works in 2026, how lenders treat forces pay, letting your home when posted, and leaving the forces.
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