If a mainstream lender has quoted you a standard 4 to 4.5 times income multiple, that’s often simply because they don’t run a professional mortgage scheme, not because that’s genuinely the most you can borrow as a police officer. I compare mortgages across 120+ lenders, including specialist and professional mortgage schemes, and we’ll tell you honestly what’s realistic for your income structure.
HTG Mortgages
Police Mortgages
Last Updated: August 2026
Featured in The Telegraph • Daily Mail • The Times • Sky News
There is no such thing as a police mortgage. You apply for the same mortgages as everyone else, and what decides how much you can borrow is how a lender reads your payslip. Police pay is rarely just basic salary, and most lenders count around 50% of regular overtime rather than all of it. That single decision is why two officers earning the same total can be offered very different amounts.
Most lenders count around 50% of regular overtime, and a few count none at all
Shift allowance is contractual, so it is usually treated more generously than overtime
Police probation is a known quantity to lenders in a way a new private sector job is not
As featured in…
Meet your Advisor
Harry Goodliffe
- FCA Authorised
- Director & Mortgage Advisor
“I‘m not about confusing jargon or passing you from person to person. From our first chat to the day you get the keys, you’ll deal directly with me. I‘ll keep you updated, answer any burning questions, and do everything I can to make the whole process as stress-free as possible.”
Let’s Talk About Your Mortgage
The police mortgage process
1
Step 1
First Chat
Tell me your rank, your basic pay and roughly what your overtime and shift allowance add up to across a typical few months.
2
Step 2
Research
I match your pay structure against lender criteria, because the lender that counts most of your overtime is rarely the one with the best headline offer.
3
Step 3
Application
Once you have chosen a mortgage, I handle the application and deal with the lender and the paperwork.
4
Step 4
Completion
After the offer I stay on it through to completion, and I will tell you where things are without you having to chase.
About
Our approach.
Why choose HTG Mortgages?
A police payslip looks nothing like a standard one, and the lenders who understand that are not always the obvious names.
A professional mortgage can change what you can borrow.
A number of lenders offer an enhanced income multiple scheme specifically for police officers, in some cases reaching up to 6.5 times income for the right case, well beyond standard residential lending. Whether you qualify, and by how much, depends on your role, income and the individual lender’s criteria, so it’s worth exploring properly rather than assuming a standard multiple applies to you.
NHS and private income combined.
Many consultants earn from both an NHS contract and private practice. Lenders who understand this combine the two rather than only counting your NHS salary, which can make a real difference to what you’re able to borrow.
GP partnership profit share.
GP partners are paid through a share of practice profits rather than a simple salary, similar in some ways to how self-employed income is assessed. We work with lenders who can assess this properly from your accounts and partnership agreement, rather than treating it like a standard employed payslip.
Locum income.
Locum work is paid by session or day rate rather than a fixed salary, and not every lender is comfortable assessing it. We know which lenders will, and what evidence they’ll want to see.
How I put a police case together
I start with your payslips rather than a lender list, because the order matters. Basic pay is straightforward. The parts that decide your borrowing are the shift allowance, which is contractual and usually counted in full, and the overtime, which is variable and commonly counted at around 50%. Some lenders will use more where the overtime is consistent across a long enough run of payslips, and a small number will not count it at all.
Once I know which parts of your pay a lender will recognise, the shortlist writes itself. That is a very different exercise to comparing headline offers, and it is where the difference in what you can borrow actually comes from. If you are still in your probationary period, or you are a special constable, a PCSO or police staff rather than a warranted officer, the answer changes again and I will tell you plainly which lenders work and which do not.
Who police mortgages can help
Police mortgages are not a separate product. What varies is how much of your shift allowance and overtime a lender will count towards affordability, and that is decided by lender policy rather than by your rank or your force.
Why use HTG’s mortgage services?
Monday to Friday 8am to 5pm, Saturday 8am to 1pm
We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages
You deal with Harry directly, from the first conversation to completion
Let’s get your mortgage sorted
Written by Harry Goodliffe
Director & Mortgage Adviser, HTG Mortgages · FCA Authorised (1017945)
CeMAP Qualified · Featured in National Press · South England Prestige Awards 2026/27 winner