Key Worker and Public Sector Mortgages

Caz Blake-Symes • June 15, 2023

Over the years the team at Bristol, Weston, Bath and Exeter Mortgages Online have worked with hundreds of Key Worker clients, often referred to as Essential Workers, to ensure that we offer them the best value and suitable mortgage.


What type of mortgages do we offer Key Workers?

We offer a full range of mortgages including:

  • First time buyer mortgages.
  • Remortgages.
  • Home buyer mortgages.
  • Shared ownership mortgages.
  • Buy to let mortgages.
  • Let to Buy Mortgages.
  • Joint Borrower - Sole Proprietor mortgages.


We also offer a full range of protection products including:

  • Life insurance.
  • Critical illness cover
  • Employment protection.


We work with many specialist lenders, who will look favourably at those employed in the public sector, as often key workers are in professional positions with stable long term contracts.


Who is eligible?

  • NHS staff, including doctors, nurses and clinical support workers.
  • Ambulance drivers and paramedics.
  • Firefighters are those employed in the fire service.
  • Teachers and those employed in the education sector.

 

What is the criteria?

  • Applicants must have a job offer letter, for a new starter.
  • All applicants will need proof of income, salary slips are acceptable.
  • Certain lenders will accept proof of bank and agency earnings.
  • Usual affordability checks will apply.


As from 1 June 2023, we offer Key Workers the following.

  • FREE advice
  • FREE consultation either face to face, on the telephone or via Zoom.
  • Flexible appointment times to fit in with shift patterns.
  • FREE Agreement in Principle
  • 50% off our fees.


What to do next

Our policy is that any applicants that are Key Workers, only deal with one of our Directors Phil Clark, Russell Green or Chris Seward.

 

For further details about the mortgage and protection products we offer as a fully independent mortgage broker, or any other mortgage information, book your FREE CONSULTATION with one of our expert Mortgage Advisers.


Bristol Mortgages Online                     www.bristolmortgagesonline.com           Tel 0117 325 1511

Bath Mortgages Online                         www.bathmortgagesonline.com              Tel 01225 584 888

Weston Mortgages Online                   www.westonmortgagesonline.com         Tel 01934 442 023

Exeter Mortgages Online                      www.exetermortgagesonline.com           Tel 01392 690 888


Email info@swmortgages.com

 

#keyworkermortgage

#nhsworkermortgages

#publicsectormortgage

#greatvaluemortgage

#firsttimebuyermortgage

#freeconsultation

#remortgage

#mortgagebroker

#mortgageadviser

House Price Index: November 2025

By Caz Blake-Symes • December 8, 2025
With the Budget uncertainty now lifted, buyers and sellers can return to making decisions about their next move. Removing the threat of a new annual property tax from 210,000 homes for sale will help revive market activity in higher-value areas. However, the lack of any stamp duty reform means homebuyers will continue

Check out our November newsletter!

By Caz Blake-Symes • November 28, 2025
Please click here to see our November newsletter This month’s edition is packed full of interesting articles, including What does the Budget mean for you? Interest-Only Mortgages For Later Life. Need Short-Term Property Finance? What is the Renters’ Rights Act, and what does it mean for tenants? What You Should Know About Second Charge Mortgages Time to Remortgage? Stunning 5-star Google Reviews! Let Us Help You If You Have Adverse Credit How to Contact Us You can also read more articles on our Blog. We hope you enjoy this Newsletter. If you have any queries, please call Phil Clark on 0117 325 1511 or email info@swmortgages.com

Budget 2025: Key points at a glance

By Caz Blake-Symes • November 27, 2025
Rachel Reeves has set out details of her second Budget since becoming Chancellor. Some measures from the yearly tax and spending plan had already been announced in the days leading up to the statement.

Interest-Only Mortgages For Later Life

By Caz Blake-Symes • November 19, 2025
We are thrilled to be able to offer this fantastic product through the Family Building Society. This interest-only mortgage gives those of retirement age and beyond the opportunity to free up equity from their home, without the huge costs often faced when considering Equity Release or a Lifetime Mortgage.

Need Short-Term Property Financing?

By Caz Blake-Symes • November 12, 2025
Thinking about buying a new property before selling your current one? Or maybe you need quick funds to complete a renovation or secure an investment opportunity? You’re not alone. With today’s fast-moving property market, many homeowners and investors are turning to bridging loans to bridge the gap.

What is the Renters’ Rights Act,and what does it mean for tenants?

By Caz Blake-Symes • November 1, 2025
The changes laid out in the Renters’ Rights Bill were the biggest shakeup of rental legislation in decades. In October 2025, the Bill gained Royal Assent, which means the bill becomes the ‘Renters’ Rights Act’, and will now become law.

Zoopla’s House Price Index: September 2025

By Caz Blake-Symes • October 13, 2025
Pre-Budget speculation over possible tax changes is impacting market activity for homes over £500,000. The rest of the mainstream housing market is carrying on, largely unaffected.

What You Should Know About Second Charge Mortgages

By Caz Blake-Symes • October 6, 2025
Thinking about borrowing more money, but worried about losing your current mortgage deal? You’re not alone. With interest rates shifting in 2025, many homeowners are

Check Out Our September 2025 Newsletter!

By Caz Blake-Symes • September 30, 2025
Check Out Our September 2025 Newsletter!
Rental market conditions are starting to normalise as supply and demand rebalance. The

Zoopla’s Rental Market Report: September 2025

By Caz Blake-Symes • September 24, 2025
Rental market conditions are starting to normalise as supply and demand rebalance. The affordability