Hero Mortgage Range | Key Worker Mortgages

The Hero mortgage range

For the heroes amongst us

Discover our Hero Mortgage range, for employed essential skilled workers who provide vital community services.

Your client can borrow up to 5 times their income.

Available to NHS clinicians, teachers, police officers, firefighters and more.

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The benefits of the hero mortgage range

Our flexible lending criteria on the Hero Mortgage range is designed to meet the needs of your key worker clients:

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Max age 40 at application for the main applicant

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Your client can borrow up to 5 times their income

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100% of overtime and second job income accepted

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Joint applications accepted

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Debt management plans considered

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Cashback options available

Is my client eligible?

We can accept applications on our Hero Mortgage range from clients employed in the public sector. This includes:

NHS clinicians

Paramedics

Nurses

Teachers and lecturers

Members of the Armed Forces (Army, RAF and Navy)

Firefighters

Police

Example hero clients

NHS clinicians regularly working overtime

Providing healthcare isn’t a 9-5 job. That’s why we'll take into account 100% of your clients’ overtime when assessing their affordability.

Firefighters working two jobs

We'll take into account 100% of second job income, where your client has had both jobs for at least six months. Plus, we have cashback options available.

Applicants with small blips on their credit file

Whether they're a teacher, or are in the armed forces, we'll consider applicants who have small blips on their credit file, like a missed credit card payment.

Useful links for you

VIEW OUR RATES

Download our residential product guide to find what products are available.

Download residential guide

RESIDENTIAL CALCULATOR

Use our residential calculator to see how much your client could borrow.

Use our residential calculator

Frequently asked questions

Our Hero Mortgage range is available to clients employed in the public sector, providing a vital service to the community. In particular, in the police, health, or education sectors.

This includes emergency services and HM Forces, such as:

Police officers
Firefighters
Ambulance drivers
Hospital nursing staff
Army, Navy or RAF personnel

It also includes professions in education, such as:

Primary, secondary and 6th form teachers
College lecturers
University lecturers

We can accept applicants who work for the NHS in a clinical role, providing care to patients. This includes:

Nursing
Medicine
Midwifery
Physiotherapy
Radiography
Counselling

We're unable to accept applicants who work in non-clinical roles on our Hero range. This includes receptionists, accountants, IT specialists and caterers.

Yes, we can accept joint applications on our Hero Mortgage range.

At least one of the applicants must be employed in a qualifying 'Heroes' profession.

The income from both applicants will benefit from our enhanced affordability.

We're unable to accept self-employed and contractor applicants on our Hero Mortgage range.

Our Select credit criteria applies to our Hero Mortgage range.

Download our Credit History Criteria Guide to see all our credit criteria at a glance.

We're unable to accept applications where the applicant wishes to combine our Hero range with the Help to Buy scheme.