Finding the right mortgage as a firefighter can involve additional considerations, especially when your income includes overtime, shift allowances or earnings from more than one job. At The Residential Mortgage Hub, we provide specialist Mortgages for Firefighters, helping full-time, retained and on-call firefighters explore mortgage options suited to their individual circumstances.
Our experienced mortgage adviser, Dave Cockle, also serves as an on-call firefighter with Surrey Fire and Rescue Service. His first-hand understanding of the profession, combined with over 20 years of experience in banking and property finance, puts him in a strong position to help firefighters navigate the mortgage process.
Whether you’re a first-time buyer, moving home, remortgaging or looking to invest in property, Dave can help you explore suitable mortgage options from a wide range of lenders, taking into account your employment arrangements, income and individual mortgage requirements.
Mortgages for Firefighters with Expert Advice from Dave Cockle
Mortgage lenders have different criteria when assessing overtime, shift allowances and additional earnings, which can affect how much you can borrow and the mortgage products available to you.
Some lenders may accept a higher proportion of additional income than others, while certain lenders require evidence of consistent earnings over a specific period. Choosing a lender whose criteria suit your circumstances can make a significant difference to your mortgage options.
As both an experienced mortgage adviser and an on-call firefighter with Surrey Fire and Rescue Service, Dave Cockle understands the profession and can help identify suitable lenders, assess your borrowing potential and guide you through the mortgage process.
Explore our frequently asked questions below to learn more about Mortgages for Firefighters, including how lenders assess overtime, shift allowances and additional income.
You can also read our Mortgage Types Guide to learn more about different mortgage products and interest rate options.
Mortgages for Firefighters: Frequently Asked Questions
A mortgage broker can help firefighters find lenders who understand their employment arrangements and how their income is structured. This can be especially useful if you receive overtime, shift allowances, retained duty payments or income from a second job.
Different lenders assess these income sources in different ways, which can affect how much you can borrow and the mortgage products available to you.
At The Residential Mortgage Hub, Dave Cockle combines his experience as a mortgage adviser with his role as an on-call firefighter at Surrey Fire and Rescue Service. With access to over 12,000 mortgage products from more than 100 lenders, Dave can help you compare suitable options and guide you through the mortgage process.
Yes, on-call and retained firefighters can apply for mortgages, whether firefighting is their primary employment or they have another job alongside their fire service role.
Lenders may assess retained duty payments, call-out earnings and income from other employment differently. Dave can help you understand which lenders are more likely to accommodate your income arrangements.
Yes, many lenders will consider income from a second job when assessing a mortgage application. This can be relevant for firefighters who combine their fire service duties with other employment or self-employment.
Some lenders have specific requirements regarding employment history, working hours and how long additional income has been received. We can review your circumstances and identify suitable lending options.
The amount you can borrow depends on your income, financial commitments, credit history and the lender’s affordability assessment.
For firefighters receiving overtime, shift allowances or additional income, the amount available may vary between lenders. We can assess your borrowing potential and help you understand your options before applying.
Some lenders and mortgage schemes may offer products or eligibility arrangements that benefit certain public sector or key workers, although dedicated firefighter mortgages are not widely available.
In many cases, the most suitable mortgage will come from a lender whose affordability criteria accommodate your income and employment arrangements, rather than a product specifically labelled for firefighters.
With access to over 12,000 mortgage products from more than 100 lenders, we can help you explore the options available.
If you’re an on-call firefighter who also works on a self-employed basis, some mortgage lenders may consider applications with just one year’s accounts, depending on your circumstances.
Other lenders may require two or more years of trading history, accounts or tax calculations. Dave can help identify lenders whose criteria may suit your employment history and income.
No. Although Dave serves as an on-call firefighter with Surrey Fire and Rescue Service, he provides mortgage advice to firefighters and other clients across the UK.
Whether you’re buying your first home, moving property, remortgaging or exploring buy-to-let opportunities, Dave can help you review suitable mortgage options regardless of where you live.