ADVERTORIAL ON THE BEAT, ON
THE MORTGAGE: WHY YOUR PAY NOW COUNTS FOR MORE
By Henry Wright, Quick Mortgages
henry@quickmortgages.com Henry Wright
After a turbulent few years, 2025 has finally delivered some welcome stability to the UK mortgage market. But it’s not just calmer; it’s changing in a way that could directly benefit every officer and staff member reading this. The big news comes from the Financial Conduct Authority (FCA). They’ve been reviewing the rigid rules lenders use to judge affordability. Traditionally, banks have taken a ‘computer says no’ approach, automatically ignoring or heavily discounting crucial parts of a police officer’s income, such as overtime, unsocial hours pay, and specialist allowances. This has always been frustrating. You work the hours, the money is consistent, but a generic formula on a spreadsheet penalises you for being a frontline worker with a complex pay structure.
The Tide is Turning The FCA’s proposed shift is encouraging lenders to use more common sense. They want banks to look at the ‘broader picture’ of financial stability rather than just relying on formulas that penalise public service professionals.
What’s happening right now is a direct response to this. Following the Bank of England’s recent decision to stabilise rates, competition has intensified. Lenders are already starting to relax their rules, and some are introducing specific, bespoke products for key workers. This is excellent news for police borrowers, whether you’re a new recruit, moving to a new force, or simply looking to remortgage. This isn’t about getting a favour; it’s about
42 | POLICE | OCTOBER | 2025
getting fairness, ensuring your mortgage offer truly reflects your reliable earnings.
The Quick Mortgages Advantage: We Speak Your Language This is the moment when specialist advice really proves its worth. Trying to navigate this alone means gambling on whether your chosen lender will understand your payslip. At Quick Mortgages, we don’t guess. We
know the structure of police pay inside- out, from temporary duty to role-related enhancements. We don’t waste your time talking to banks that only accept 50 per cent of your overtime. We go straight to the lenders who are prepared to accept 100 per cent of consistent, regular police income.
How we make the process simple and successful We Know the Lenders: We maintain strong relationships with the banks and building societies that are leading the way with flexible, key-worker-friendly criteria. One Conversation: You only need to
explain your situation and pay once. We handle all the paperwork and match you with the best deal, fast. Future-Proof Planning: Whether you’re planning for promotion, a relocation, or retirement, we ensure your mortgage fits your career trajectory, not the other way around. Personal Support: Every case is handled by a dedicated adviser. No call-centre scripts, just real guidance when you need it most. We are proud to work with lenders who respect and understand the unique structure of police pay. We’ve helped countless officers secure their homes by ensuring their income is represented accurately.
If your current mortgage deal is ending soon or you’re planning your next move, it’s essential to speak with a specialist who knows your world. In a changing market, the right advice can be the difference between what you’re told you can borrow—and what you truly can.
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