Teacher Mortgages

Mortgages for Teachers

Are you a Teacher in the UK looking to embark on the journey of homeownership?

Clever Mortgages is now part of Oak Mortgages Limited.

Don’t worry, you’ll still be looked after by the same friendly, experienced team you know and trust. We’re here to guide you every step of the way on your mortgage journey.

👉 Discover more about us at www.oakmortgages.co.uk or see what our happy clients are saying on Google Reviews.

      EXCELLENT  
   Based on 88 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Zin Ameur 
 
 
 
 Trustindex verifies that the original source of the review is Google. Exceptional service from Vicki & the Oak Mortgages team, who were integral to ensuring I secured a competitive remortgage deal and took away the time burden in doing so, would highly recommend.
  
 
      Posted on Google  
   
   Major Tom 
 
 
 
 Trustindex verifies that the original source of the review is Google. Unexpectedly had to source a small mortgage to complete a house purchase. We contacted Oak Mortgages to explain we were under prepared to start mortgage applications but they put in alot of leg work and employed the full use of their team to source the best value, conditions and terms that fit our situation. Contact was prompt and informative, with all questions answered and investigated with patience and clarity. The team were very empathetic and took on a level of customer care I didn't expect from a mortgage broker. Whether it was over the phone or by email, all information was presented and explained in the best way for us to make an informed decision on what we were buying and agreeing to. The team continue to provide that care even after mortgage offer is accepted and purchases are complete, and I look forward to speaking to them again in the future as they monitor mortgage rates and endeavour to advise what are the best options available going forward.
  
 
      Posted on Google  
   
   Alex 
 
 
 
 Trustindex verifies that the original source of the review is Google. ⭐⭐⭐⭐⭐

Absolutely fantastic service from start to finish. They’re the only mortgage brokers I use, and for good reason. The level of service, professionalism and dedication is second to none.

Nothing is ever too much trouble, communication is excellent, and they’re always on hand to answer questions, explain the process and find the best possible solutions, even when things aren’t straightforward.

With multiple property investments, it’s important to have someone knowledgeable, reliable and proactive in your corner, and that’s exactly what you get.

I wouldn’t hesitate to recommend them to anyone looking for a mortgage, remortgage or property investment finance. They’ll certainly continue to be my go-to as I grow my property portfolio.

Highly recommended!
  
 
      Posted on Google  
   
   sunday ifenkwe 
 
 
 
 Trustindex verifies that the original source of the review is Google. They were very very professional and always willing and ready to respond to all my queries, guided me through this process simlessly.  I am happy I used their services.
I will also like to give a special appreciation to Vicki Redley she was very great and an amazing individual as she guided me all through the process.
  
 
      Posted on Google  
   
   Ifenkwe Grace 
 
 
 
 Trustindex verifies that the original source of the review is Google. Well so far the experience with you guys has been pretty great
  
 
      Posted on Google  
   
   Hannah Vivian 
 
 
 
 Trustindex verifies that the original source of the review is Google. Recently had Abby as our broker, who was super friendly and made the process smooth and easy. Thank you
  
 
      Posted on Google  
   
   Stephen Dowding 
 
 
 
 Trustindex verifies that the original source of the review is Google. My experience of Oak Mortgages has been unfailingly amazing. Abby is WONDERFUL at her job: super-kind, expert and patient and a huge credit to the company.
  
 
      Posted on Google  
   
   G S 
 
 
 
 Trustindex verifies that the original source of the review is Google. From the very first contact through (what was a complex and hugely frustrating conveyancing process), to the day of completion, Oak Mortgages were the shining light that got us through.

Sarah and her team were brilliant.

They were responsive, caring, empathetic, knowledgeable, professional, and human at each and every stage.

We are so grateful that we used Sarah and Oak Mortgages and highly recommend them to anyone wanting to guarantee that authentic, trustworthy approach from professionals who care.

A top class act - 5 ⭐️⭐️⭐️⭐️⭐️
  
 
      Posted on Google  
   
   DOBO and the Foodies 
 
 
 
 Trustindex verifies that the original source of the review is Google. Awesome service, helped me at every step on a journey I never thought at 50 I could make! Sarah is amazing available whenever I needed her highly recommend
  
 
      Posted on Google  
   
   Caoimhe Clarke 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thank you to Abby and the admin team at Oak Mortgages who have been fantastic in helping me secure a remortgage on my property. From my first phone call to Abby I was filled with confidence and the experience with the team was brilliant, especially when other companies involved were not so brilliant the Oak Mortgage team pulled out all the stops to make sure completion happened. I would highly recommend this company and will use their services in the future. Thank you again.
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

See if you pre-qualify for a mortgage

Enquire about a mortgage with our pre-qualifying affordability form. No imprint on your credit score

Many teachers, especially supply teachers and those on fixed contracts frequently have difficulty securing a mortgage. This is because mainstream lenders will sometimes consider their roles as non-permanent job positions. In order to secure a mortgage to buy a home you will need to use a lender who will consider each person’s individual circumstances.

Getting a mortgage as a teacher

Many teachers start new roles on 1-year contracts with a view to renewing after this time. In addition, NQT (Newly Qualified Teachers) are also typically on a 1-year contract. Without a permanent job role, many lenders will instantly reject teacher’s mortgage applications as they will consider them to be higher risk than people with permanent job roles.

Likewise, your income may not be consistent if you are a teacher. You might be required to work additional hours or run extra classes but these might not be the same from one month to the next.

Many conventional bank advisors often won’t offer the same mortgage deals to you if you have a contract-based job. This is because your employment status is likely to be seen by lenders as less secure than a permanent role.

Mortgage approval for teachers

Proving to mortgage lenders that you have a sustainable job is essential if you’re a teacher on a contract. You’re most likely to get mortgage approval if you choose a lender who will look at mortgage applications on a case-by-case basis.

Other ways that can improve your chances of getting mortgage approval include:

Saving for a larger deposit

The larger your deposit, the higher your chances are at getting mortgage approval. This is because you will be borrowing less money from your lender, reducing your potential risk.

Joint mortgages

Having a partner on the mortgage that has a job with a permanent contract can also help strengthen your mortgage application. This is because the responsibility of repaying the mortgage will be split between more than one person.

Your credit history

Having a good credit history can considerably help your mortgage application. Before applying you should check your credit score with a credit company such as Experian or Check My File. This will give you a good indication of what types of rates you are eligible for.

Mortgage application process

4 simple steps for applying for a mortgage. See more about the mortgage application process here

Whatever your mortgage goal, there will be something for you

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We liaise with all parties on your behalf
Helping you even where others have said no
Excellent Reviews

Arrange a callback

We specialise in helping people find a mortgage and remortgage.

We require your details only once and we’ll know the best lenders and rates for your circumstance.

What should I do next?

There are many ways to contact us

Enquire online – our simple online form takes just a few minutes.

Give us a Call – our qualified advisers will assess what you are looking and do all the hard work for you searching the market – 0330 232 0285.

Ask for a callback – havent got time now? Ask us to call you back and a time / day convenient to yourself. Call me back.

LiveChat – message us here and tell us what you are looking for our agents are on hand to help.

Below are some of the lenders we work with

Clever Mortgages is now part of Oak Mortgages Limited.

Don’t worry, you’ll still be looked after by the same friendly, experienced team you know and trust. We’re here to guide you every step of the way on your mortgage journey.

👉 Discover more about us at www.oakmortgages.co.uk or see what our happy clients are saying on Google Reviews.

      EXCELLENT  
   Based on 88 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Zin Ameur 
 
 
 
 Trustindex verifies that the original source of the review is Google. Exceptional service from Vicki & the Oak Mortgages team, who were integral to ensuring I secured a competitive remortgage deal and took away the time burden in doing so, would highly recommend.
  
 
      Posted on Google  
   
   Major Tom 
 
 
 
 Trustindex verifies that the original source of the review is Google. Unexpectedly had to source a small mortgage to complete a house purchase. We contacted Oak Mortgages to explain we were under prepared to start mortgage applications but they put in alot of leg work and employed the full use of their team to source the best value, conditions and terms that fit our situation. Contact was prompt and informative, with all questions answered and investigated with patience and clarity. The team were very empathetic and took on a level of customer care I didn't expect from a mortgage broker. Whether it was over the phone or by email, all information was presented and explained in the best way for us to make an informed decision on what we were buying and agreeing to. The team continue to provide that care even after mortgage offer is accepted and purchases are complete, and I look forward to speaking to them again in the future as they monitor mortgage rates and endeavour to advise what are the best options available going forward.
  
 
      Posted on Google  
   
   Alex 
 
 
 
 Trustindex verifies that the original source of the review is Google. ⭐⭐⭐⭐⭐

Absolutely fantastic service from start to finish. They’re the only mortgage brokers I use, and for good reason. The level of service, professionalism and dedication is second to none.

Nothing is ever too much trouble, communication is excellent, and they’re always on hand to answer questions, explain the process and find the best possible solutions, even when things aren’t straightforward.

With multiple property investments, it’s important to have someone knowledgeable, reliable and proactive in your corner, and that’s exactly what you get.

I wouldn’t hesitate to recommend them to anyone looking for a mortgage, remortgage or property investment finance. They’ll certainly continue to be my go-to as I grow my property portfolio.

Highly recommended!
  
 
      Posted on Google  
   
   sunday ifenkwe 
 
 
 
 Trustindex verifies that the original source of the review is Google. They were very very professional and always willing and ready to respond to all my queries, guided me through this process simlessly.  I am happy I used their services.
I will also like to give a special appreciation to Vicki Redley she was very great and an amazing individual as she guided me all through the process.
  
 
      Posted on Google  
   
   Ifenkwe Grace 
 
 
 
 Trustindex verifies that the original source of the review is Google. Well so far the experience with you guys has been pretty great
  
 
      Posted on Google  
   
   Hannah Vivian 
 
 
 
 Trustindex verifies that the original source of the review is Google. Recently had Abby as our broker, who was super friendly and made the process smooth and easy. Thank you
  
 
      Posted on Google  
   
   Stephen Dowding 
 
 
 
 Trustindex verifies that the original source of the review is Google. My experience of Oak Mortgages has been unfailingly amazing. Abby is WONDERFUL at her job: super-kind, expert and patient and a huge credit to the company.
  
 
      Posted on Google  
   
   G S 
 
 
 
 Trustindex verifies that the original source of the review is Google. From the very first contact through (what was a complex and hugely frustrating conveyancing process), to the day of completion, Oak Mortgages were the shining light that got us through.

Sarah and her team were brilliant.

They were responsive, caring, empathetic, knowledgeable, professional, and human at each and every stage.

We are so grateful that we used Sarah and Oak Mortgages and highly recommend them to anyone wanting to guarantee that authentic, trustworthy approach from professionals who care.

A top class act - 5 ⭐️⭐️⭐️⭐️⭐️
  
 
      Posted on Google  
   
   DOBO and the Foodies 
 
 
 
 Trustindex verifies that the original source of the review is Google. Awesome service, helped me at every step on a journey I never thought at 50 I could make! Sarah is amazing available whenever I needed her highly recommend
  
 
      Posted on Google  
   
   Caoimhe Clarke 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thank you to Abby and the admin team at Oak Mortgages who have been fantastic in helping me secure a remortgage on my property. From my first phone call to Abby I was filled with confidence and the experience with the team was brilliant, especially when other companies involved were not so brilliant the Oak Mortgage team pulled out all the stops to make sure completion happened. I would highly recommend this company and will use their services in the future. Thank you again.
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

0330 232 0285

0330 232 0285

0330 232 0285

Mortgages for Teachers

Are you a Teacher in the UK looking to embark on the journey of homeownership?

Clever Mortgages is now part of Oak Mortgages Limited.

See if you pre-qualify for a mortgage