Advisers who have spent over 20 years supporting the police.
We understand how policing actually works — the hours, the rotas, the postings, the contracts, the way a career builds from probation through to retirement — and we're set up to work around it.
Whether you're at the start of your service or thinking about your pension, we'll handle your mortgage on your schedule, not ours.
Substantive expertise
Police income is more complex than most lenders realise.
Your pay slip pulls together base salary, rank progression, overtime, allowances, unsocial hours, deductions, and contributions in ways mainstream lender automation can flatten or misjudge.
Add probation, secondment, attachment, or approaching retirement, and the picture gets more variable still.
Here's the substance of what we work with every day.
Your base pay varies by rank and grade, and lenders assess it differently depending on your service length and progression history. We know which lenders give the most favourable treatment for each rank — from probationers through to senior officers — and how recent promotions or grade changes affect your mortgage application.
Recurring overtime and incident overtime are treated very differently by lenders. Some will accept 100% of regular, contracted overtime while others discount it heavily or ignore it entirely. Incident overtime — including mutual aid and special operations — can also count if evidenced correctly. We know how to present each type to the lenders most likely to accept it.
Shift allowances and unsocial hours payments form a significant part of many officers' income. Not all lenders treat these as guaranteed income, and some require it presented in specific formats. We know how your shift pattern income is calculated and how to evidence it in the format each lender needs to see.
Whether you receive a housing allowance or have a rent reduction taken at source, these figures affect your affordability calculations. Some lenders add housing allowances to income; others apply specific deduction methods that affect the net figure. We present these correctly so you're not disadvantaged.
Police Federation subscriptions, sacrifice schemes, loan-or-equipment deductions all appear on your pay slip. Mainstream lenders often misclassify these — treating deductions as debts that should count against your affordability calculations. We make sure every element of your remuneration package is captured and presented so the lender's affordability assessment reflects what you actually take home.
Copperpot Credit Union loans are common among officers but treated differently by different lenders. Some view credit union borrowing as standard borrowing; others recognise it as the secured saving-and-loan model it actually is. We know which lenders take the most pragmatic view and how to evidence your Copperpot position correctly.
Every career stage
From probationer to retirement — we've helped officers at every stage of their career.
Your circumstances matter, and we tailor our approach accordingly.
Just starting out or still in your probationary period? Some lenders are cautious about clients in early-career or probation positions. Others — particularly those who understand that police careers are secure even during probation — will consider your application properly, based on your contract and training status, even before your probation ends.
Just starting out or still in your probationary period? Some lenders are cautious about clients in early-career or probation positions. Others — particularly those who understand that police careers are secure even during probation — will consider your application properly, based on your contract and training status, even before your probation ends.
Moving from PC to Sergeant? Stepping up to inspector or beyond? A promotion can significantly increase your borrowing power — but timing matters. We help you decide whether to apply before or after a promotion lands, and ensure your new salary is properly evidenced.
Settled in your role with consistent income and regular overtime? This is often the strongest position for borrowing. We make sure lenders see your full earning potential — not just your base salary — so you can borrow what you actually need.
Planning your exit from the force? Whether you're buying before you leave, remortgaging as your income changes, or considering how your pension affects affordability, we help you navigate the transition. We work with lenders who consider lending into retirement, and we'll help you understand how your pension and any retirement-related lump sums affect what you can borrow.
Why officers choose us
You'll work with one named adviser from your first call to completion — and the same person next time, when your deal ends or you move. They learn your rank, your role, your rota, your career trajectory, and your pay structure once. You don't re-explain how policing works at every remortgage.
Phone, video call, or evening appointment — we work around rotas, lates, nights, and earlies. We respond within a day, weekends and bank holidays included.
Our advisers have spent decades working with the police. We know how to present every part of your situation correctly. So the lender's affordability assessment reflects what you actually earn, what you actually owe, and what you can realistically afford.
Your career evolves — promotions, postings, retirement, moves, kids buying their first homes. Many of our police clients come back for their third, fourth, even fifth deal with us, often with referrals from colleagues. We're built for the long arc of a policing career, not a single transaction.
The service is outstanding. We have used them 3 times and have always received exemplary service. Despite quite complex requirements, they have always fully understood our needs and consistently gone above and beyond.
Situations we handle
Every officer's situation is different. Here are some of the most common scenarios we work with — each one requiring a broker who understands how policing pay, contracts, and career structures interact with lender criteria.
New to the property market? We'll help first-time buyers understand their borrowing potential
— including how overtime, shift allowances, and other elements of policing income are properly evidenced for lenders.
— including how overtime, shift allowances, and other elements of policing income are properly evidenced for lenders.
Whether you're relocating for a posting or upsizing to a larger property, we handle the porting-vs-switching decision
and ensure your current police income is presented correctly for the new application.
and ensure your current police income is presented correctly for the new application.
Coming off a fixed rate or looking to release equity? We compare deals across the wider market
and ensure your income is presented properly when reapplying.
and ensure your income is presented properly when reapplying.
Promotion, secondment, returning from a break, or still in probation? We handle applications through career transitions
— including cases where your new income hasn't started yet but is contractually agreed.
— including cases where your new income hasn't started yet but is contractually agreed.
Planning a remortgage as you approach pension age, or considering borrowing into retirement? We work with lenders who consider lending into retirement
and we help you understand how your pension and any retirement-related lump sums affect affordability.
and we help you understand how your pension and any retirement-related lump sums affect affordability.
Police officers have specific Death in Service provisions as part of their pension scheme.
We help you understand how these affect your mortgage and protection planning. See our Death in Service Calculator below for an indicative assessment.
We help you understand how these affect your mortgage and protection planning. See our Death in Service Calculator below for an indicative assessment.
Police officers receive Death in Service benefits as part of their pension scheme. Download our free spreadsheet and check whether your current cover is sufficient for your mortgage and family's needs — complete it yourself in Excel or Numbers.
This calculator is for illustration purposes only and does not constitute financial advice. Your actual Death in Service benefit depends on your years of service, salary, and pension scheme rules. Please speak to a financial adviser for personalised guidance.
Free initial review. No obligation. One named adviser who knows policing, working around your shifts.
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