Civil servants have a secure level of employment, which is very favourable when it comes to lenders. Another thing that is favourable to lenders is the fact that civil servants usually have good income. This means that civil servants will typically be able to gain a higher income multiple as well as a higher loan-to-value rate. 

Mortgage lenders who are interested in lending to a civil servant will look into a factor of things before agreeing to a loan. These things include – 

• Age
• Dependants
• Liabilities 
• School fees
• Pension contributions
• Deposit
• Income 

Lenders will usually lend to civil servants right up until their retirement age. However, if the person seeking a mortgage has enough income from their government and private pensions or other investments such as properties, the lenders will take this into consideration and some lenders will even lend to people  up to the age of 80. 

Some civil servants may be posted abroad for their job role. This doesn’t mean that you can no longer get a mortgage in the UK. Although some lenders will refuse, there are many that will. We work with a wide range of lenders, and can help you to find the right lender for you.