Employed Personal Mortgages Made Simple
Straightforward mortgage solutions for employed professionals, with lender assessments that reflect your true salary, bonuses, and long-term job stability.
Access to the UK’s Leading Mortgage Lenders
Over 120 lenders offering competitive mortgages for employed professionals
 Mortgage-Tek works with high-street banks and specialist lenders who understand employed income structures, including PAYE salaries, bonuses, overtime, and commission-based earnings.
Understanding Employed Personal Mortgages
Mortgages designed for salaried and PAYE professionals
An employed personal mortgage is designed for individuals earning a regular salary through PAYE employment.
Lenders assess basic salary, bonuses, overtime, and employment stability to determine affordability and borrowing limits.
Mortgage Options for Employed Professionals
Flexible mortgage choices to suit different financial goals
Fixed-Rate Mortgages
Provides stable monthly repayments with fixed interest rates, ideal for employed borrowers seeking predictable costs and long-term budgeting confidence.
Variable-Rate Mortgages
Offers flexibility with interest rates that may change over time, suitable for employed professionals comfortable with potential payment fluctuations.
First-Time Buyer Mortgages
Designed to support employed first-time buyers with competitive rates, lower deposit options, and clear affordability assessments.
Remortgage Options
Allows employed borrowers to switch lenders, reduce interest rates, or release equity based on updated salary and financial position.
Buy-to-Let Mortgages
Suitable for employed professionals investing in property, with affordability assessed using salary and projected rental income.
Is an Employed Personal Mortgage Right for You?
Designed for salaried and PAYE employees
This mortgage is suitable for individuals with stable PAYE employment and verifiable income.
- Full-time or part-time PAYE employees
- Professionals receiving regular salary payments
- Employees earning bonuses, overtime, or commission
- First-time buyers, movers, or remortgaging homeowner
- Employed individuals seeking buy-to-let investments
What Lenders Typically Look For
Standard requirements for employed mortgage approval
Employment Status
 Permanent or long-term employment is preferred, with most lenders requiring at least three to six months in the current role.
Income Assessment
Basic salary is always included; regular bonuses, overtime, or commission may be considered if consistent and supported by payslips or P60s.
Credit History
A clean credit profile improves approval chances, though some lenders accept minor adverse credit depending on affordability and stability.
Deposit Requirements
Deposits usually range from 5–20%, depending on lender criteria, property type, and overall financial profile.
Affordability Checks
Lenders assess living costs, financial commitments, and stress-test repayments against potential interest rate increases.
How Much Can I Borrow Calculator
Borrowing based on employed income
Borrowing amounts are calculated using your salary, regular bonuses, and financial commitments. Mortgage-Tek helps maximise borrowing while ensuring lenders apply realistic affordability assessments.
Your Estimated Borrowing Amount
Expert Mortgage Support for Employed Professionals
Helping employed borrowers secure the right mortgage, first time
Mortgage-Tek supports employed professionals by matching them with lenders offering competitive rates, transparent advice, and smooth application processes.
Access to 120+ Lenders
We compare high-street banks and specialist lenders to find competitive mortgage deals based on employed income and affordability.
Salary-Focused Advice
Our guidance reflects your actual salary structure, including bonuses, overtime, and commission, ensuring accurate lender assessments.
Support for First-Time Buyers
We guide employed first-time buyers through deposits, affordability checks, and lender expectations step by step.
Clear Mortgage Comparisons
We present rates, fees, and lender criteria clearly, helping you make confident and informed mortgage decisions.
Fast, Streamlined Process
Efficient pre-approvals and document handling reduce delays and improve approval speed.
Ongoing Expert Support
From application to completion, our advisers provide consistent support and lender communication.
FAQs
Can employed professionals get mortgages easily?
Yes. Lenders prefer employed applicants due to predictable income, making approvals generally straightforward with the right documentation.
Are bonuses and overtime included in affordability?
Yes. Many lenders include regular bonuses or overtime if consistent and supported by payslips or P60s.
How much deposit do employed borrowers need?
Deposits usually start from 5%, though larger deposits can improve interest rates and borrowing terms.
Can I apply if I recently changed jobs?
Yes. Some lenders accept applicants within probation periods, depending on role stability and employment history.
Can employed borrowers remortgage?
Yes. Remortgaging allows access to better rates, lower payments, or equity release based on updated income.
How long does the mortgage process take?
Typically six to ten weeks, depending on lender, valuation, and document submission speed.
Can employed applicants get buy-to-let mortgages?
Yes. Lenders assess salary alongside projected rental income to determine affordability.