Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
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Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
At ABC Mortgages, we believe that getting a mortgage should be as simple as ABC, especially for the people who dedicate their lives to educating others. Whether you’re a newly qualified teacher, an experienced headteacher, or a supply teacher with variable income, we understand the unique challenges you may face when applying for a mortgage. Based in Sittingbourne, Kent, we offer specialist mortgage advice for teachers and education professionals across the UK.
Our friendly advisers work hard to find the most suitable mortgage deals available, and to make the whole process clear, stress-free, and tailored to your career.
Discover how much you can afford to borrow.
Your home / property may be repossessed if you do not keep up repayments on your mortgage.
Last Updated: 24th July 2025
Despite stable and respected careers, teachers often encounter frustrating obstacles when dealing with traditional lenders. These can include:
Term-time or irregular income: Many teachers are paid pro-rata or over 12 months for term-time work, which can be confusing for lenders not familiar with the education sector.
Fixed-term or temporary contracts: Especially for Newly Qualified Teachers (NQTs) or Early Career Teachers (ECTs), these contracts can be perceived as less secure, even though they are standard in education.
Limited deposit or savings: With rising living costs and student loan repayments, it can be hard to save a large deposit early in your career.
Complex pay structures: Teachers often receive additional payments for TLRs (Teaching and Learning Responsibilities), SEN (Special Educational Needs) allowances, or overtime, which may not be properly considered by every lender.
Changing roles or schools: Frequent job changes or moving between schools/trusts can confuse mortgage underwriters if not explained correctly.
At ABC Mortgages, we know how to present your financial position clearly to lenders who understand your profession.
Some lenders recognise the unique financial circumstances of teachers and offer exclusive products designed specifically for you. These benefits include:
Higher Affordability: We work with lenders who offer up to 5.5 times your income, recognising the long-term job security and career progression in the teaching profession.
Greater Flexibility: We can find lenders who accept:
Fixed-term contracts
Letters of employment or offer letters
Income from supply work or multiple schools
Lower Deposit Options: Specialist mortgage deals may allow deposits as low as 5%, and we can also explore government schemes like Shared Ownership or Help to Buy (where available).
Better Interest Rates: Teachers are often classified as low-risk borrowers. That means you could benefit from lower rates, reduced fees, and added perks like free valuations or cashback.
Quicker Application Times: Lenders familiar with teacher applications can process your mortgage more efficiently, reducing delays and unnecessary document requests.
We specialise in supporting education professionals. Here’s how our expert team can help:
We Understand Your Income: We know how to interpret your payslips and contracts — whether you’re on supply, maternity leave, or starting a new role. We present this clearly to lenders so your application is not unfairly rejected.
We Handle the Hard Work: No need to stress about forms, documentation, or endless emails from banks. We manage the full process, from paperwork to completion, keeping things smooth and efficient.
Whole-of-Market Access: We’re not tied to one bank. We search across a broad panel of lenders, including those who specialise in mortgages for professionals and educators.
Long-Term Support: We don’t disappear once your mortgage is approved. We stay in touch to help with remortgages, insurance, and any future borrowing needs.
We are local, and genuinely care about making the mortgage process easier for education professionals.
Based in Sittingbourne, Kent, offering friendly, face-to-face or remote support
Specialist experience with teacher applications and professional income types
Transparent, honest advice — no jargon, no hard sell
End-to-end service including mortgage, protection, and insurance advice
Our clients include first-time buyers, home movers, and experienced teachers looking to remortgage. We help them save money, avoid common pitfalls, and gain confidence in every decision.
We’re proud to support the people who support our children. If you’re a teacher or school staff member looking for clear, expert mortgage advice, we’re here to help. Whether you’re: Buying your first home, Moving house, Looking to remortgage or just want to explore your options. Let’s chat about how we can make your mortgage journey simpler. Contact us Today.
Important Information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £395.
The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £395.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
ABC Mortgages Ltd trading as ABC Mortgages are an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
ABC Mortgages Ltd are registered in England and Wales. Registered No:13184891. Registered OƯice: Suite 103, St Georges Business Park, Castle Road, Sittingbourne, Kent, England, ME10 3TB.
