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Mortgages for Supply Teachers

We specialise in getting mortgages for certain types of occupations and incomes, which includes mortgages for supply teachers.

When you apply for a mortgage as a supply teacher there will be some key differences to standard teachers applications. Some of those main areas will include:

  • Have you been a supply teacher for long?
  • Are you a newly qualified teacher?
  • Do you have a current contract?

There are also several main elements to mortgage lending for supply teachers, such as how long you have been a teacher or supply teacher.

According to a recent survey, there are over 40,000 active supply teachers working in the UK. These individuals work an average of 2.9 days per week and are placed in six different schools over the year.

Over half of the current supply teacher population is over the age of 50, and generally older supply teachers will work less hours.

Can supply teachers get a mortgage?

There are many reasons a supply teacher may wish to take out a mortgage to buy a property or remortgage from a current deal (e.g. for equity release or debt consolidation).

One of the common questions that we are asked is can I still get a mortgage for supply teachers and does it make any difference.

The answer is in the vast majority of cases that you will be able to get a new mortgage or remortgage as a supply teacher. There will be some subtle differences between your mortgage application to a standard teachers application.

Two of the biggest criteria are:

  • Have you been a supply teacher for more than 6 months?
  • If less than 6 months, have you been a qualified teacher for over 2 years?

It is likely that if you fir these criteria then you would be able to get a mortgage relatively easily, if not then you may need to speak to one of our specialist lenders.

Best mortgages for supply teachers

There are many different options when looking for a mortgage for supply teachers so it’s important to get the right type of mortgage for you.

Two of the main types of mortgages are:

  • Repayment mortgage (also known as Capital and Interest) which is the most common type of residential mortgage. Often the only option for people wanting to buy or remortgage a main residence
  • Interest only mortgage is currently generally only available to property landlords or investors for Buy to Let properties

Some of the other mortgage options include:

How does income work for supply teachers mortgages?

Lenders will assess factors such as credit score as well as income before deciding on your suitability for a loan. There are a number of options for income assessment and multiples with mortgages for supply teachers.

Most lenders will have their own criteria for income and expenditure as well as having its own income multiples. You should make sure that you speak to an expert who can find you the optimum loan based on your circumstances.

Some of the main things to consider for supply teachers income:

  • Are you employed or self-employed?
  • How long is your contract for?
  • Is your contract rolling or does it have an end date?
  • Do you work through an agency?

You may have also struggled to get a mortgage previously because of your income but that doesn’t mean that you can’t get a loan. It could simply be the case that the lender you applied to does not fit your income requirements.

Mortgage advice for supply teachers

It’s important to get the right advice when you’re looking for a new mortgage or a remortgage. This can be especially true for people with non-standard incomes or occupations, such as supply teachers.

There are specialist lenders that are specifically good for key workers such as teachers and supply teachers and these may only be available through certain mortgage advisors.

Some of the main options for mortgage advice for supply teachers are:

  • Mortgage broker or advisors will often have a greater number of mortgage lenders and deals to choose from, but also may charge a fee for their services
  • Banks and Building Society can also offer mortgages for supply teachers which can be lower rates but can also be far more limited options available
  • Online mortgages are a fairly new introduction to the mortgage market which can be fee free but can also mean more work for you and greater chance of being declined.

If you’re unsure about the best options then you should speak to one of our experts to see how we can help you to get your mortgage for supply teachers.

Mortgages for self employed supply teachers

It is sometimes the case that a supply teacher might be self employed rather than opting to work through an agency with temporary contracts. They may also work part time rather than full time depending on personal circumstances, family commitments etc.

This can be a more attractive option for some people as it gives more flexibility and provides better tax incentives. We generally find that some older supply teachers with regular placements will be self employed, often with their own limited company.

If you are a self employed supply teacher, then these are the most common income requirements:

  • Accounts
  • Accountants reference
  • Company trading history
  • Salary and dividend
  • SA302s

You may also need to speak to a self employed mortgage expert to get the best advice and find the best mortgage deals. If this is the case then our team of fully qualified mortgage experts are on hand to help you.

Learn more about getting a mortgage when self employed.

Check out our guide on how to use SA302s to evidence self employed income.

Best mortgage lenders for supply teachers

At any time there are around or just over 100 different mortgage lenders in the UK, consisting of banks, building societies and other lenders.

There are also thousands of different mortgage deals so it can be difficult to find the best rates for supply teachers without proper guidance.

Our mortgage lenders for supply teachers include:

  • Accord Mortgages
  • Barclays
  • Halifax
  • HSBC
  • Natwest
  • Newcastle Building Society
  • Santander
  • And more…

Your best options will also depend on:

  • Type of mortgage (e.g. first time buyer mortgage, buy to let mortgages etc)
  • Mortgage deal
  • Bad credit history
  • Income and income structure
  • Loan to Value (LTV)

Our team of fully qualified mortgage advisors will help you to find the best lenders and deals based on your circumstances.

Mortgage specialists for supply teachers

There are some specialist lenders and deals for supply teachers and we’ll help you to find the right deal for you.

There are lots of elements to getting the best mortgage for supply teachers and it’s one of the areas where we are specialists. It’s extremely important to us to make sure that we give you the very best levels of service so that you’re confident and comfortable.

We are specialists in mortgages for teachers including both regular employment and supply teachers. We understand what you need and we know how to help to get you the mortgage that you want.

essential MORTGAGES is authorised and regulated by the Financial Conduct Authority meaning you can trust our team will work tirelessly and professionally to find you the perfect mortgage deal.

Useful resources

National Education Union – Supply teachers – pay, conditions and working time

NASUWT – Supply teachers – Affordable home ownership schemes – Help to Buy: Equity Loan

Own Your Home ( – Help to own your home

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