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Mortgages for Emergency Services Workers
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Written by Damon Pike – Principle Mortgage and Protection Advisor

Last updated: 25th January 2023

Whether you are a first-time buyer, moving home, or looking for a new mortgage on your current home, as an emergency services worker there may be mortgage products available to you that aren’t available to everyone else.​

Emergency Services

While a career in the emergency services can be equally rewarding and stressful, you want your mortgage application to go as smoothly as possible. There are many things to consider when looking for your new mortgage, this is because the mortgage lenders all have differing lending criteria. So, whether you are still in a probationary period, have a fixed term contract, recently changed number of hours or have irregular monthly income, it’s important to approach the lender that best fits your circumstances to give you the best chance of acceptance and sometimes a higher borrowing amount. There are even lenders that have products specifically designed for emergency service workers.


Find out how much you can borrow and how much it will cost you with our Mortgage Calculators


How can we help?

We have access to specialist providers and mainstream lenders and will only recommend the specialist if it’s right for you. Using our knowledge and experience we will compare mortgage products that are available to you based on your needs and that fit the mortgage providers lending criteria.

What if I have a low credit score?

Low credit scores, bad credit history or adverse credit won’t always affect a mortgage application, and if it does, there are normally still options available. The details behind the score will usually have a higher impact than the score itself. So, whether you have missed payments, defaults, or arrangements to pay reduced amounts to creditors there are likely still multiple options available to you. There are even mortgages for people with previous bankruptcy or repossessions.


We do not charge broker fees, but there are many other great reasons to use a mortgage advisor. See our top 10 reasons Here.


Home ownership schemes

There are a number of government backed schemes that could help to improve your chances to get onto or up the property ladder. Some of these schemes prioritise emergency service workers looking for a mortgage. The eligibility criteria and conditions for the schemes vary, so get in touch to find out if any are right for you.

  • Lifetime ISA – A government backed savings account which if used for the purpose of buying your first home utilises a 25% bonus.
  • Help to buy – An equity loan to help with the deposit on a new build property for a first-time buyer. Applications for this scheme closed on 31 October 2022.
  • Right to buy – Council tenants and some housing association tenants can purchase the home they are renting at a discount to market value.
  • First homes – 30% to 50% discount on a new home for first time buyers with priority given to key workers and people with local connections, as determined by local authorities. The discount will be passed on to new applicants when the home is sold. The scheme launched in June 2021 and has limited availability but is being extended across England.
  • Shared ownership – Buy a share of a home and pay rent on the rest until you can afford further shares. A new model launched in 2021 with some changes to criteria that differs from the previous model. The old model is still being offered by many providers so check before you apply. (Priority given specific groups depending on local housing needs.)

Working with Damon

Damon Pike is the owner and founder of Lupo Mortgage services, which offers complete mortgage advice with no broker fees and access to the whole of market (except deals which are only available direct). Damon will take the time to get to know what you want out of your mortgage and make a recommendation accordingly. He prides himself on excellent service standards and great communication. He also understands the individual needs of emergency service workers and can arrange appointments remotely or face to face, outside of normal working hours to suit you. Damon also understands how important your family is and can help arrange or review your life insurance and other related policies to make sure they are protected.

Damon Pike

Principle Mortgage and Protection Advisor

Damon Pike

Principle Mortgage and Protection Advisor

Damon Pike

Principle Mortgage and Protection Advisor

Call Damon on 07503 942280

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Lupo Mortgage Services is based in Wolverhampton, but we operate throughout the whole of England and Wales.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages such as commercial BTLs are not regulated by the FCA.

Lupo Mortgage Services is an appointed representative of Julian Harris Mortgages Ltd which is authorised and regulated by the Financial Conduct Authority, No. 304155. The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk