Overtime treated as if it never happens
Some lenders count none of it. Others count 50%, 60% or all of it once it is evidenced over a period. On a typical officer’s payslip that spread is the difference between a "no" and a comfortable "yes".
For police officers, staff and their families
The lenders who count your overtime, not just your basic.
Shift allowance, unsocial hours, overtime and a housing allowance can add thousands to what you can borrow — or be ignored entirely, depending on which lender sees the payslip. We know which is which, and it costs you nothing to find out.
- Overtime, shift and unsocial hours pay counted where lenders allow it
- No broker fee, at any stage — the lender pays us on completion
- One named adviser and their direct line, not a call centre
- Proud supporters of the Police Federation of England and Wales
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Proud to support thePolice Federation
No fee. No obligation. We will not pass your details to anyone else.
Fee-free advice, one named adviser, and lenders who count your overtime.
Why police pay confuses a high-street lender
Police income is not one number on one line, and an automated affordability check is not built for it. Four things go wrong more than anything else.
Shift and unsocial hours allowances dropped
These are contractual for most officers, but they sit in a line an automated system often cannot read. Placed with the right lender they are simply income.
Housing and location allowances ignored
London weighting, regional allowance and housing allowance are real money. Whether a lender counts them varies by lender and by allowance, not by logic.
A rank or role the system does not recognise
Probationers, special constables, PCSOs, staff on fixed-term contracts and officers on secondment all get misread by systems designed for one salary and one employer.
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What we are usually asked for
- First home — deposit, schemes, and an honest number for what you can borrow before you start viewing
- Remortgage — we check the whole panel and your own lender, then tell you which is genuinely better
- Moving home — porting, extra borrowing, and timing that lines up with a chain
- Buy to let — a first investment or an existing portfolio, including through a limited company
- Protection — life, critical illness and income cover, including how it sits with your police pension and any injury benefit
- Specialist cases — adverse credit, non-standard construction, or a case another broker has already handed back
What happens after you press send
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1
We call you back
Usually within the hour in working hours. A real adviser, not a switchboard taking a message.
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2
We work out the real number
Your income as lenders will actually read it, including the overtime and allowances.
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3
We recommend and apply
One product, with the reasons in writing, then we submit and handle the lender.
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4
We chase it to completion
Lender, solicitor and valuer. You get updates without having to ask.
The questions we get asked first
Is it really free? What is the catch?
There is no fee to you at any stage. When your mortgage completes the lender pays us a procuration fee, which is how the whole model works. If your case does not complete, we are not paid — which is also why we chase the solicitor.
Will this affect my credit file?
No. An initial conversation and a decision in principle can be done with a soft search at most lenders, which is visible to you but not to others and does not affect your score. Nothing hard is run without you agreeing to it first.
I am still in my probationary period. Is that a problem?
Usually not. Plenty of lenders are comfortable with probationers in a permanent police role, and some are noticeably more comfortable than others. It is one of the things worth getting right first time.
How much of my overtime will actually count?
It depends entirely on the lender: anywhere from none of it to all of it, usually evidenced over three to twelve months. Send us the payslips and we will tell you the real number rather than a hopeful one.
I have been declined somewhere else already.
That is worth telling us early, because it changes where we go next and helps us avoid a second footprint. A decline at one lender says very little about the other hundred or so.
What do you need from me to start?
A short conversation. Nothing formal, no documents up front, and no obligation at the end of it.
Find out where you stand. It costs nothing.
No obligation, no fee, and no pressure at the end of it. Worst case you get an honest answer and half an hour back.