We can organise:

• Mortgages UK
• Remortgages UK
• Bridging Loans
• Adverse Credit Mortgages *
• Key Worker Mortgage Schemes
• Commercial Mortgages
• Secured Personal Loans
• Buy to Let Mortgages
• Let and Buy Mortgages
• Right to Buy
• Shared Ownership Mortgages
• A range of Protection and Insurance products from a limited panel of providers

* The overall cost for comparison is 7.3% APR TYPICAL. The actual rate available will depend on your circumstances. Please ask for a personalised illustration.

“Helping Key Workers buy a home on the open market.”

Key Worker Homebuy

Key Worker Homebuy is a scheme that offers 'Equity loans' of up to £50,000 to help key workers buy a home on the open market.

Key Worker Shared Ownership

Key Worker Shared Ownership is available on new homes built by Housing Associations. (You buy at least 25% of the home and pay a reduced rent on the remaining share).

London Challenge Teacher Key Homebuy

London Challenge Teacher Key Homebuy offers higher-value equity loans of up to £100,000 for a small group of school teachers with the potential to become leaders of London's education system in the future.

Providing mortgage solutions for key Workers...

As impartial mortgage advisors we have extensive experience in arranging mortgages for those with deposits provided by key worker schemes. If you have already been agreed by your local authority, or even if you need to find out whom to contact to arrange an application, contact us today and we will guide you through the whole process from start to finish.

Key Worker schemes, or 'Key Worker Homebuyer schemes', are available generally to police, fire-fighters, NHS staff and teachers. However, depending on specific recruitment challenges within each area, local authorities may broaden or restrict their key worker definitions. They may also add further deciding factors, such as the time you have spent in your job or any particular specialty within a key worker group, e.g. math's teachers.

Key Worker schemes provide the key worker with a lump sum, or 'equity loan', which is generally interest free, but must be paid back if the property is sold. Some local authorities may have quite limited funding available, and there is often a time limit in place, so the sooner you make your application the better. The local authority will normally stipulate that you have to buy your property within a certain distance of your workplace, and they will also place a limit on the price that you can go up to. These details will be confirmed at the application stage.

As professional mortgage brokers, with access to over 100 lenders , we can source from the whole of the market to help you find the most competitive rates considering your situation and individual preferences.