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SELECT * FROM (SELECT * FROM wp_auto_internal_log WHERE INSTR(' <div data-elementor-type="wp-page" data-elementor-id="9912" class="elementor elementor-9912" data-elementor-post-type="page"> <section class="elementor-section elementor-top-section elementor-element elementor-element-df4ba91 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="df4ba91" data-element_type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bd281cd" data-id="bd281cd" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5818d59 elementor-widget elementor-widget-heading" data-id="5818d59" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">Key Worker Mortgage Scheme 2023</h1> </div> </div> <div class="elementor-element elementor-element-3c14af7 elementor-widget elementor-widget-text-editor" data-id="3c14af7" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>Everything you need to know about Key Worker Mortgage Schemes in 2023. 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By submitting this information you have given your agreement to receive verbal contact from us or one of our trusted partners to discuss your mortgage requirements</p> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-eb00227 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="eb00227" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ef95f03" data-id="ef95f03" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-6a937e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="6a937e1" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6f07e8b" data-id="6f07e8b" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-76fdd96 elementor-toc--minimized-on-mobile elementor-widget elementor-widget-table-of-contents" data-id="76fdd96" data-element_type="widget" data-settings="{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;minimized_on&quot;:&quot;mobile&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}" data-widget_type="table-of-contents.default"> <div class="elementor-widget-container"> <div class="elementor-toc__header"> <h4 class="elementor-toc__header-title"> Table of Contents </h4> <div class="elementor-toc__toggle-button elementor-toc__toggle-button--expand" role="button" tabindex="0" aria-controls="elementor-toc__76fdd96" aria-expanded="true" aria-label="Open table of contents"><i aria-hidden="true" class="fas fa-chevron-down"></i></div> <div class="elementor-toc__toggle-button elementor-toc__toggle-button--collapse" role="button" tabindex="0" aria-controls="elementor-toc__76fdd96" aria-expanded="true" aria-label="Close table of contents"><i aria-hidden="true" class="fas fa-chevron-up"></i></div> </div> <div id="elementor-toc__76fdd96" class="elementor-toc__body"> <div class="elementor-toc__spinner-container"> <i class="elementor-toc__spinner eicon-animation-spin eicon-loading" aria-hidden="true"></i> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7365b98" data-id="7365b98" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-aa0546f elementor-widget elementor-widget-image" data-id="aa0546f" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="800" src="https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-1024x1024.png" class="attachment-large size-large wp-image-8080" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-1024x1024.png 1024w, https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-300x300.png 300w, https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-150x150.png 150w, https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-768x768.png 768w, https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67.png 1080w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-84dedae elementor-widget elementor-widget-global elementor-global-8112 elementor-widget-text-editor" data-id="84dedae" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>A mortgage article by Mark Robinson &#8211; Mortgage &amp; Equity Release Broker</p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-6b28df4 elementor-widget elementor-widget-text-editor" data-id="6b28df4" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Key Worker Mortgage Schemes in 2023</span></h2><p><span style="font-weight: 400;">There have been various schemes available up until now, however most were aimed at First Time Buyers.</span></p><p><span style="font-weight: 400;">That all changed this year. We now have a <a href="https://albionforest.co.uk/key-worker-mortgage/">Key Worker Mortgage</a> Scheme for 2023. The government First Homes scheme launched and is available to all first time buyers and Key Workers.</span></p><p><span style="font-weight: 400;">You may find that the scheme is not widely available, and therefore we have come up with some alternative Key Worker Mortgage Schemes for 2023. This article has been written at the end of 2023, and we are designing it to also apply to the Key Worker Mortgage Scheme 2023 as well.</span></p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-09f7cb6 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="09f7cb6" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f1d2882" data-id="f1d2882" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-7c69456 elementor-widget elementor-widget-image" data-id="7c69456" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="800" src="https://albionforest.co.uk/wp-content/uploads/2023/11/Key-Worker-Mortgage-Scheme-2023-1024x1024.png" class="attachment-large size-large wp-image-9935" alt="key worker mortgage scheme 2023" srcset="https://albionforest.co.uk/wp-content/uploads/2023/11/Key-Worker-Mortgage-Scheme-2023-1024x1024.png 1024w, https://albionforest.co.uk/wp-content/uploads/2023/11/Key-Worker-Mortgage-Scheme-2023-300x300.png 300w, https://albionforest.co.uk/wp-content/uploads/2023/11/Key-Worker-Mortgage-Scheme-2023-150x150.png 150w, https://albionforest.co.uk/wp-content/uploads/2023/11/Key-Worker-Mortgage-Scheme-2023-768x768.png 768w, https://albionforest.co.uk/wp-content/uploads/2023/11/Key-Worker-Mortgage-Scheme-2023.png 1080w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2ef45d6" data-id="2ef45d6" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-e3821ee elementor-widget elementor-widget-text-editor" data-id="e3821ee" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Are There Any Mortgages For Key Workers?</span></h2><p><span style="font-weight: 400;">There are plenty of mortgages that are designed specifically for Key Workers. These may not always be the best option for you though. It is worth seeking specialist advice on what the best course of action will be for your personal situation.</span></p><p><span style="font-weight: 400;">Mortgages for Key workers usually have:</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">A special interest rate</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Special criteria</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">A higher income multiple</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">All of the above!</span></li></ul><p><span style="font-weight: 400;">However, sometimes the best product for your situation may not be a Key worker mortgage, even if you are a Key Worker.</span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-67c1f62 elementor-widget elementor-widget-text-editor" data-id="67c1f62" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Who Qualifies For Key Worker Mortgage?</span></h2><p><span style="font-weight: 400;">Many different people will fall into the role of <a href="https://albionforest.co.uk/nhs-mortgage/key-worker-mortgage-scheme-for-nurses/">Key Worker</a>, it will vary, depending on lender, who they consider to be key workers. Some of the usual areas are:</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">NHS workers</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Military</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Teachers</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Justice workers </span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Firefighters</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Police</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Government employees</span></li></ul><p><span style="font-weight: 400;">The specific jobs that are considered Key Workers will be huge, and we can’t list them all. It is usually best to speak to either your advisor or lender who will be able to tell you whether you qualify.</span></p><h2><span style="font-weight: 400;">Available Schemes To Help Key Workers Get On The Property Ladder in 2023</span></h2><table><tbody><tr><td><p><span style="font-weight: 400;">Shared Ownership Scheme</span></p></td><td><p><span style="font-weight: 400;">The <a href="https://www.gov.uk/shared-ownership-scheme" target="_blank" rel="noopener">shared ownership scheme</a> has been around a long time. It has changed a bit over the years, but still offers the same principle &#8211; Helping people get on the property ladder.</span></p><p><span style="font-weight: 400;">The shared ownership scheme lets you part buy and part rent your home. Allowing you to buy a property with a lower deposit or lower income. This scheme can be great for first time buyers and key workers, as you can usually buy more shares of the property over time.</span></p></td></tr><tr><td><p><a href="https://www.gov.uk/first-homes-scheme" target="_blank" rel="noopener"><span style="font-weight: 400;">First Homes Scheme</span></a></p></td><td><p><span style="font-weight: 400;">This is the primary Key worker mortgage scheme for 2023. This will allow you to buy an eligible new build property at a minimum 30% discount. The first homes scheme is open to First Time buyers and key workers. So it is the perfect Key worker mortgage scheme in 2023.</span></p></td></tr><tr><td><p><span style="font-weight: 400;">Right To Buy scheme</span></p></td><td><p><span style="font-weight: 400;">The Right to buy scheme allows eligible people to buy their home off the council or their housing association. Usually at a considerable discount. The main caveat is that you cannot sell the property or rent it out within a certain timeframe, often 7 years.</span></p></td></tr><tr><td><p><span style="font-weight: 400;">Deposit Unlock Scheme</span></p></td><td><p><span style="font-weight: 400;">The Deposit unlock scheme is a lender led Key worker mortgage scheme that has taken off in 2023. The scheme allows you to buy an eligible new build property with as little as 5% discount.</span></p><p><span style="font-weight: 400;">This can mean getting on the property ladder with a smaller discount, making it slightly easier.</span></p></td></tr></tbody></table><h2><span style="font-weight: 400;">What is the 95% Mortgage Scheme for Key Workers?</span></h2><p><span style="font-weight: 400;">Unlike other schemes the deposit unlock scheme, or 95% mortgage scheme is available to anyone. Most schemes tend to be limited to First Time buyers or Key Workers. However, this scheme can be used by First Time Buyers and Home Movers.</span></p><p><span style="font-weight: 400;">Essentially allowing anyone to buy a new build property with a 5% deposit. This is unusual as before this scheme launched many lenders needed at least a 10% deposit for a New Build Property.</span></p><h2><span style="font-weight: 400;">Can I Use A Key Worker Mortgage Scheme With Bad Credit?</span></h2><p><span style="font-weight: 400;">Depending on the scheme you may find that Bad credit is not allowed. However, some lenders allow for a bit of bad credit, it will generally depend on the severity.</span></p><p><span style="font-weight: 400;">Bad credit may include:</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Missed payments on secured or unsecured credit agreements</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Defaults</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">CCJs</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">IVAs</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Debt Management plans</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Bankruptcy</span></li></ul><p><span style="font-weight: 400;">A general rule to follow for most lenders is that you should try and repay any debt before application. However, some lenders may not require this, especially if it is an older debt.</span></p><h2><span style="font-weight: 400;">What Documents Will I Need For A Key Worker Mortgage Scheme?</span></h2><p><span style="font-weight: 400;">The documents required for any mortgage will vary, however most lenders require the same core items:</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Bank statements</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Proof of income &#8211; This could be payslips, or tax calculations if self employed</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Proof of deposit &#8211; Either via your bank statements, or a gifted deposit form</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">ID proof &#8211; Usually a Passport or Driving licence, however it is growing more common to do ID checks electronically in recent years.</span></li></ul><p><span style="font-weight: 400;">Whilst these are the documents usually required for more mortgage lenders, you could require different ones or extra on top of these.</span></p><h2><span style="font-weight: 400;">Do I Need A Broker For A Key Worker Mortgage Scheme In 2023?</span></h2><p><span style="font-weight: 400;">You may not need to have a mortgage broker or advisor for a Key Worker mortgage scheme. It will usually depend on the housing association or developer selling the property. Some may require you to use an advisor, but usually you are not required to use a specific advisor.</span></p><p><span style="font-weight: 400;">It is probably a good idea to use a specialist mortgage broker for a Key worker mortgage scheme, as they can be quite complicated. If you can find one, an independent mortgage broker that is not tied to one lender may give you a better spread of lender options.</span></p> </div> </div> <div class="elementor-element elementor-element-8a4621b elementor-widget elementor-widget-image" data-id="8a4621b" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img loading="lazy" decoding="async" width="800" height="545" src="https://albionforest.co.uk/wp-content/uploads/2021/03/pexels-binyamin-mellish-186077-2-1-1024x698.jpg" class="attachment-large size-large wp-image-96" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2021/03/pexels-binyamin-mellish-186077-2-1-1024x698.jpg 1024w, https://albionforest.co.uk/wp-content/uploads/2021/03/pexels-binyamin-mellish-186077-2-1-300x205.jpg 300w, https://albionforest.co.uk/wp-content/uploads/2021/03/pexels-binyamin-mellish-186077-2-1-768x524.jpg 768w, https://albionforest.co.uk/wp-content/uploads/2021/03/pexels-binyamin-mellish-186077-2-1-1536x1048.jpg 1536w, https://albionforest.co.uk/wp-content/uploads/2021/03/pexels-binyamin-mellish-186077-2-1-2048x1397.jpg 2048w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-6d7a972 elementor-widget elementor-widget-text-editor" data-id="6d7a972" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2>Can I borrow more using a Key Worker Mortgage Scheme in 2023?</h2><p>You may be able to utilise a key worker mortgage scheme in 2023 in order to borrow a higher income multiple than a standard product offers.</p><p>Most mortgages only let you borrow between 4-4.75 times your income. However, a Key worker mortgage scheme may let you borrow up to 6 or 7 times your income potentially. This can dramatically increase the amount you may be able to borrow.</p> </div> </div> <div class="elementor-element elementor-element-7ae5c8b heading-wrap-space elementor-widget elementor-widget-text-editor" data-id="7ae5c8b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h3><span style="font-weight: 400;">Got a question on the Key Worker Mortgage Scheme 2023 we haven’t answered? Perhaps we do on our Main <a href="https://albionforest.co.uk/key-worker-mortgage/">Key Worker</a> page. If not, get in touch</span></h3> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a554568" data-id="a554568" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a156e3d elementor-widget elementor-widget-template" data-id="a156e3d" data-element_type="widget" data-widget_type="template.default"> <div class="elementor-widget-container"> <div class="elementor-template"> <div data-elementor-type="section" data-elementor-id="1009" class="elementor elementor-1009" data-elementor-post-type="elementor_library"> <section class="elementor-section elementor-top-section elementor-element elementor-element-21a4c71 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="21a4c71" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f74e4c5" data-id="f74e4c5" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5a7cb30 elementor-widget elementor-widget-global elementor-global-7981 elementor-widget-heading" data-id="5a7cb30" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h5 class="elementor-heading-title elementor-size-default"><a href="https://g.page/r/CaUlvgKsZeoBEB0/review" target="_blank">Google Reviews - See More</a></h5> </div> </div> <div class="elementor-element elementor-element-32b3c99 elementor-widget elementor-widget-html" data-id="32b3c99" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <div class="elfsight-app-c4b3e3d9-fee0-4f09-9171-2d846caba232"></div> <div class="elfsight-app-1b08c970-2e04-438d-908a-3ad6eb7848fa"></div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-25949a73 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="25949a73" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3bd0f76c" data-id="3bd0f76c" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5d75df0 elementor-widget elementor-widget-global elementor-global-8290 elementor-widget-html" data-id="5d75df0" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <center><blockquote class="zenplayer" data-episode-href="https://zencastr.com/embed/BZuDVgDb" style="background: black; border-radius: 12px; font-family: system-ui; width: 240px; height: 240px; position: relative; color: white; margin: 0;"> <img decoding="async" style="width: 120px; display: inline-block; position: absolute; top: calc(50%); left: calc(50%); transform: translate(-50%, -50%);" src="data:image/svg+xml;base64,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/> <a href="https://zencastr.com/embed/BZuDVgDb" target="_blank" style="color: white; position: absolute; bottom: 12px; left: 50%; transform: translateX(-50%); text-decoration: none;" rel="noopener"> View on Zencastr </a></blockquote><script type="text/javascript" src="https://zencastr.com/static/js/embed-player.js"></script></center> </div> </div> <div class="elementor-element elementor-element-689e57f elementor-widget elementor-widget-image" data-id="689e57f" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img loading="lazy" decoding="async" width="601" height="1024" src="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png" class="attachment-large size-large wp-image-7070" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png 601w, https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1-176x300.png 176w" sizes="(max-width: 601px) 100vw, 601px" /> </div> </div> <div class="elementor-element elementor-element-af7a2e4 elementor-widget elementor-widget-heading" data-id="af7a2e4" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Useful Links for Key Workers</h3> </div> </div> <div class="elementor-element elementor-element-7c878483 footer-icon elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="7c878483" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Main Key Worker Page</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/mortgages-for-nurses/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgages for Nurses</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teacher Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/armed-forces-mortgages/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Armed Forces Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/mortgages-for-dentists/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgages for Dentists</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-mortgage-scheme/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Key Worker Mortgage Scheme</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/newly-qualified-nurse-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Newly Qualified Nurse Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-mortgage-scheme-for-nurses/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgage Scheme for Nurses</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://advisersassemble.co.uk/albionforest/key-worker-mortgage/student-nurse-mortgage/" target="_blank" rel="noopener"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Student Nurse Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-shared-ownership/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Key Worker Shared Ownership</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-mortgage-scheme-2022/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Key Worker Mortgage Scheme 2022</span> </a> </li> </ul> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-10c9cd93 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="10c9cd93" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 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aria-hidden="true" class="fas fa-shield-alt"></i> </span> <span class="elementor-icon-list-text">Raising The standards of financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-network-wired"></i> </span> <span class="elementor-icon-list-text">Making financial advice accessible to all</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="far fa-handshake"></i> </span> <span class="elementor-icon-list-text">Trusted &amp; stress-free financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-hand-holding-heart"></i> </span> <span class="elementor-icon-list-text">Friendly, personable advisors</span> </li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-04b6580 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="04b6580" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1039cbd" data-id="1039cbd" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> </div> ', keyword) > 0 UNION ALL SELECT * FROM wp_auto_internal_links WHERE INSTR(' <div data-elementor-type="wp-page" data-elementor-id="9912" class="elementor elementor-9912" data-elementor-post-type="page"> <section class="elementor-section elementor-top-section elementor-element elementor-element-df4ba91 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="df4ba91" data-element_type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bd281cd" data-id="bd281cd" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5818d59 elementor-widget elementor-widget-heading" data-id="5818d59" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">Key Worker Mortgage Scheme 2023</h1> </div> </div> <div class="elementor-element elementor-element-3c14af7 elementor-widget elementor-widget-text-editor" data-id="3c14af7" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>Everything you need to know about Key Worker Mortgage Schemes in 2023. This guide should answer all your questions.</p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-dddeee2" data-id="dddeee2" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-da39d98 elementor-button-align-stretch elementor-widget elementor-widget-global elementor-global-190 elementor-widget-form" data-id="da39d98" data-element_type="widget" data-settings="{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}" data-widget_type="form.default"> <div class="elementor-widget-container"> <form class="elementor-form" method="post" name="New Form"> <input type="hidden" name="post_id" value="9912"/> <input type="hidden" name="form_id" value="da39d98"/> <input type="hidden" name="referer_title" value="Key Worker Mortgage Scheme 2023 - Albion Forest Mortgages" /> <input type="hidden" name="queried_id" value="9912"/> <div class="elementor-form-fields-wrapper elementor-labels-above"> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-name" class="elementor-field-label"> Name </label> <input size="1" type="text" name="form_fields[name]" id="form-field-name" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-email" class="elementor-field-label"> Email </label> <input size="1" type="email" name="form_fields[email]" id="form-field-email" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_1 elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-field_1" class="elementor-field-label"> Phone </label> <input size="1" type="text" name="form_fields[field_1]" id="form-field-field_1" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-field_51fb3e8 elementor-col-100"> <label for="form-field-field_51fb3e8" class="elementor-field-label"> Message </label> <textarea class="elementor-field-textual elementor-field elementor-size-sm" name="form_fields[field_51fb3e8]" id="form-field-field_51fb3e8" rows="4"></textarea> </div> <div class="elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_dc01947 elementor-col-100 recaptcha_v3-bottomleft"> <div class="elementor-field" id="form-field-field_dc01947"><div class="elementor-g-recaptcha" data-sitekey="6Ld2DHUgAAAAAMVXotSao5BofcLHiMLSK74xykwz" data-type="v3" data-action="Form" data-badge="bottomleft" data-size="invisible"></div></div> </div> <div class="elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons"> <button type="submit" class="elementor-button elementor-size-sm"> <span > <span class=" elementor-button-icon"> </span> <span class="elementor-button-text">Let's Get Started</span> </span> </button> </div> </div> </form> </div> </div> <div class="elementor-element elementor-element-ab412c9 elementor-widget elementor-widget-global elementor-global-194 elementor-widget-heading" data-id="ab412c9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title elementor-size-default">You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us or one of our trusted partners to discuss your mortgage requirements</p> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-eb00227 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="eb00227" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ef95f03" data-id="ef95f03" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-6a937e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="6a937e1" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6f07e8b" data-id="6f07e8b" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-76fdd96 elementor-toc--minimized-on-mobile elementor-widget elementor-widget-table-of-contents" data-id="76fdd96" data-element_type="widget" data-settings="{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;minimized_on&quot;:&quot;mobile&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}" data-widget_type="table-of-contents.default"> <div class="elementor-widget-container"> <div class="elementor-toc__header"> <h4 class="elementor-toc__header-title"> Table of Contents </h4> <div class="elementor-toc__toggle-button elementor-toc__toggle-button--expand" role="button" tabindex="0" aria-controls="elementor-toc__76fdd96" aria-expanded="true" aria-label="Open table of contents"><i aria-hidden="true" class="fas fa-chevron-down"></i></div> <div class="elementor-toc__toggle-button elementor-toc__toggle-button--collapse" role="button" tabindex="0" aria-controls="elementor-toc__76fdd96" aria-expanded="true" aria-label="Close table of contents"><i aria-hidden="true" class="fas fa-chevron-up"></i></div> </div> <div id="elementor-toc__76fdd96" class="elementor-toc__body"> <div class="elementor-toc__spinner-container"> <i class="elementor-toc__spinner eicon-animation-spin eicon-loading" aria-hidden="true"></i> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7365b98" data-id="7365b98" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-aa0546f elementor-widget elementor-widget-image" data-id="aa0546f" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="800" src="https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-1024x1024.png" class="attachment-large size-large wp-image-8080" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-1024x1024.png 1024w, https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-300x300.png 300w, https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-150x150.png 150w, https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67-768x768.png 768w, https://albionforest.co.uk/wp-content/uploads/2022/10/Untitled-design-67.png 1080w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-84dedae elementor-widget elementor-widget-global elementor-global-8112 elementor-widget-text-editor" data-id="84dedae" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>A mortgage article by Mark Robinson &#8211; Mortgage &amp; Equity Release Broker</p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-6b28df4 elementor-widget elementor-widget-text-editor" data-id="6b28df4" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Key Worker Mortgage Schemes in 2023</span></h2><p><span style="font-weight: 400;">There have been various schemes available up until now, however most were aimed at First Time Buyers.</span></p><p><span style="font-weight: 400;">That all changed this year. We now have a <a href="https://albionforest.co.uk/key-worker-mortgage/">Key Worker Mortgage</a> Scheme for 2023. The government First Homes scheme launched and is available to all first time buyers and Key Workers.</span></p><p><span style="font-weight: 400;">You may find that the scheme is not widely available, and therefore we have come up with some alternative Key Worker Mortgage Schemes for 2023. This article has been written at the end of 2023, and we are designing it to also apply to the Key Worker Mortgage Scheme 2023 as well.</span></p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-09f7cb6 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="09f7cb6" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f1d2882" data-id="f1d2882" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-7c69456 elementor-widget elementor-widget-image" data-id="7c69456" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="800" src="https://albionforest.co.uk/wp-content/uploads/2023/11/Key-Worker-Mortgage-Scheme-2023-1024x1024.png" class="attachment-large size-large wp-image-9935" alt="key worker mortgage scheme 2023" srcset="https://albionforest.co.uk/wp-content/uploads/2023/11/Key-Worker-Mortgage-Scheme-2023-1024x1024.png 1024w, https://albionforest.co.uk/wp-content/uploads/2023/11/Key-Worker-Mortgage-Scheme-2023-300x300.png 300w, https://albionforest.co.uk/wp-content/uploads/2023/11/Key-Worker-Mortgage-Scheme-2023-150x150.png 150w, https://albionforest.co.uk/wp-content/uploads/2023/11/Key-Worker-Mortgage-Scheme-2023-768x768.png 768w, https://albionforest.co.uk/wp-content/uploads/2023/11/Key-Worker-Mortgage-Scheme-2023.png 1080w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2ef45d6" data-id="2ef45d6" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-e3821ee elementor-widget elementor-widget-text-editor" data-id="e3821ee" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Are There Any Mortgages For Key Workers?</span></h2><p><span style="font-weight: 400;">There are plenty of mortgages that are designed specifically for Key Workers. These may not always be the best option for you though. It is worth seeking specialist advice on what the best course of action will be for your personal situation.</span></p><p><span style="font-weight: 400;">Mortgages for Key workers usually have:</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">A special interest rate</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Special criteria</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">A higher income multiple</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">All of the above!</span></li></ul><p><span style="font-weight: 400;">However, sometimes the best product for your situation may not be a Key worker mortgage, even if you are a Key Worker.</span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-67c1f62 elementor-widget elementor-widget-text-editor" data-id="67c1f62" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Who Qualifies For Key Worker Mortgage?</span></h2><p><span style="font-weight: 400;">Many different people will fall into the role of <a href="https://albionforest.co.uk/nhs-mortgage/key-worker-mortgage-scheme-for-nurses/">Key Worker</a>, it will vary, depending on lender, who they consider to be key workers. Some of the usual areas are:</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">NHS workers</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Military</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Teachers</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Justice workers </span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Firefighters</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Police</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Government employees</span></li></ul><p><span style="font-weight: 400;">The specific jobs that are considered Key Workers will be huge, and we can’t list them all. It is usually best to speak to either your advisor or lender who will be able to tell you whether you qualify.</span></p><h2><span style="font-weight: 400;">Available Schemes To Help Key Workers Get On The Property Ladder in 2023</span></h2><table><tbody><tr><td><p><span style="font-weight: 400;">Shared Ownership Scheme</span></p></td><td><p><span style="font-weight: 400;">The <a href="https://www.gov.uk/shared-ownership-scheme" target="_blank" rel="noopener">shared ownership scheme</a> has been around a long time. It has changed a bit over the years, but still offers the same principle &#8211; Helping people get on the property ladder.</span></p><p><span style="font-weight: 400;">The shared ownership scheme lets you part buy and part rent your home. Allowing you to buy a property with a lower deposit or lower income. This scheme can be great for first time buyers and key workers, as you can usually buy more shares of the property over time.</span></p></td></tr><tr><td><p><a href="https://www.gov.uk/first-homes-scheme" target="_blank" rel="noopener"><span style="font-weight: 400;">First Homes Scheme</span></a></p></td><td><p><span style="font-weight: 400;">This is the primary Key worker mortgage scheme for 2023. This will allow you to buy an eligible new build property at a minimum 30% discount. The first homes scheme is open to First Time buyers and key workers. So it is the perfect Key worker mortgage scheme in 2023.</span></p></td></tr><tr><td><p><span style="font-weight: 400;">Right To Buy scheme</span></p></td><td><p><span style="font-weight: 400;">The Right to buy scheme allows eligible people to buy their home off the council or their housing association. Usually at a considerable discount. The main caveat is that you cannot sell the property or rent it out within a certain timeframe, often 7 years.</span></p></td></tr><tr><td><p><span style="font-weight: 400;">Deposit Unlock Scheme</span></p></td><td><p><span style="font-weight: 400;">The Deposit unlock scheme is a lender led Key worker mortgage scheme that has taken off in 2023. The scheme allows you to buy an eligible new build property with as little as 5% discount.</span></p><p><span style="font-weight: 400;">This can mean getting on the property ladder with a smaller discount, making it slightly easier.</span></p></td></tr></tbody></table><h2><span style="font-weight: 400;">What is the 95% Mortgage Scheme for Key Workers?</span></h2><p><span style="font-weight: 400;">Unlike other schemes the deposit unlock scheme, or 95% mortgage scheme is available to anyone. Most schemes tend to be limited to First Time buyers or Key Workers. However, this scheme can be used by First Time Buyers and Home Movers.</span></p><p><span style="font-weight: 400;">Essentially allowing anyone to buy a new build property with a 5% deposit. This is unusual as before this scheme launched many lenders needed at least a 10% deposit for a New Build Property.</span></p><h2><span style="font-weight: 400;">Can I Use A Key Worker Mortgage Scheme With Bad Credit?</span></h2><p><span style="font-weight: 400;">Depending on the scheme you may find that Bad credit is not allowed. However, some lenders allow for a bit of bad credit, it will generally depend on the severity.</span></p><p><span style="font-weight: 400;">Bad credit may include:</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Missed payments on secured or unsecured credit agreements</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Defaults</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">CCJs</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">IVAs</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Debt Management plans</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Bankruptcy</span></li></ul><p><span style="font-weight: 400;">A general rule to follow for most lenders is that you should try and repay any debt before application. However, some lenders may not require this, especially if it is an older debt.</span></p><h2><span style="font-weight: 400;">What Documents Will I Need For A Key Worker Mortgage Scheme?</span></h2><p><span style="font-weight: 400;">The documents required for any mortgage will vary, however most lenders require the same core items:</span></p><ul><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Bank statements</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Proof of income &#8211; This could be payslips, or tax calculations if self employed</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Proof of deposit &#8211; Either via your bank statements, or a gifted deposit form</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">ID proof &#8211; Usually a Passport or Driving licence, however it is growing more common to do ID checks electronically in recent years.</span></li></ul><p><span style="font-weight: 400;">Whilst these are the documents usually required for more mortgage lenders, you could require different ones or extra on top of these.</span></p><h2><span style="font-weight: 400;">Do I Need A Broker For A Key Worker Mortgage Scheme In 2023?</span></h2><p><span style="font-weight: 400;">You may not need to have a mortgage broker or advisor for a Key Worker mortgage scheme. It will usually depend on the housing association or developer selling the property. Some may require you to use an advisor, but usually you are not required to use a specific advisor.</span></p><p><span style="font-weight: 400;">It is probably a good idea to use a specialist mortgage broker for a Key worker mortgage scheme, as they can be quite complicated. If you can find one, an independent mortgage broker that is not tied to one lender may give you a better spread of lender options.</span></p> </div> </div> <div class="elementor-element elementor-element-8a4621b elementor-widget elementor-widget-image" data-id="8a4621b" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img loading="lazy" decoding="async" width="800" height="545" src="https://albionforest.co.uk/wp-content/uploads/2021/03/pexels-binyamin-mellish-186077-2-1-1024x698.jpg" class="attachment-large size-large wp-image-96" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2021/03/pexels-binyamin-mellish-186077-2-1-1024x698.jpg 1024w, https://albionforest.co.uk/wp-content/uploads/2021/03/pexels-binyamin-mellish-186077-2-1-300x205.jpg 300w, https://albionforest.co.uk/wp-content/uploads/2021/03/pexels-binyamin-mellish-186077-2-1-768x524.jpg 768w, https://albionforest.co.uk/wp-content/uploads/2021/03/pexels-binyamin-mellish-186077-2-1-1536x1048.jpg 1536w, https://albionforest.co.uk/wp-content/uploads/2021/03/pexels-binyamin-mellish-186077-2-1-2048x1397.jpg 2048w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-6d7a972 elementor-widget elementor-widget-text-editor" data-id="6d7a972" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2>Can I borrow more using a Key Worker Mortgage Scheme in 2023?</h2><p>You may be able to utilise a key worker mortgage scheme in 2023 in order to borrow a higher income multiple than a standard product offers.</p><p>Most mortgages only let you borrow between 4-4.75 times your income. However, a Key worker mortgage scheme may let you borrow up to 6 or 7 times your income potentially. This can dramatically increase the amount you may be able to borrow.</p> </div> </div> <div class="elementor-element elementor-element-7ae5c8b heading-wrap-space elementor-widget elementor-widget-text-editor" data-id="7ae5c8b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h3><span style="font-weight: 400;">Got a question on the Key Worker Mortgage Scheme 2023 we haven’t answered? Perhaps we do on our Main <a href="https://albionforest.co.uk/key-worker-mortgage/">Key Worker</a> page. If not, get in touch</span></h3> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a554568" data-id="a554568" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a156e3d elementor-widget elementor-widget-template" data-id="a156e3d" data-element_type="widget" data-widget_type="template.default"> <div class="elementor-widget-container"> <div class="elementor-template"> <div data-elementor-type="section" data-elementor-id="1009" class="elementor elementor-1009" data-elementor-post-type="elementor_library"> <section class="elementor-section elementor-top-section elementor-element elementor-element-21a4c71 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="21a4c71" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div 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class="elfsight-app-1b08c970-2e04-438d-908a-3ad6eb7848fa"></div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-25949a73 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="25949a73" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3bd0f76c" data-id="3bd0f76c" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5d75df0 elementor-widget elementor-widget-global elementor-global-8290 elementor-widget-html" data-id="5d75df0" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <center><blockquote class="zenplayer" data-episode-href="https://zencastr.com/embed/BZuDVgDb" style="background: black; border-radius: 12px; font-family: system-ui; width: 240px; height: 240px; position: relative; color: white; margin: 0;"> <img decoding="async" style="width: 120px; display: inline-block; position: absolute; top: calc(50%); left: calc(50%); transform: translate(-50%, -50%);" src="data:image/svg+xml;base64,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/> <a href="https://zencastr.com/embed/BZuDVgDb" target="_blank" style="color: white; position: absolute; bottom: 12px; left: 50%; transform: translateX(-50%); text-decoration: none;" rel="noopener"> View on Zencastr </a></blockquote><script type="text/javascript" src="https://zencastr.com/static/js/embed-player.js"></script></center> </div> </div> <div class="elementor-element elementor-element-689e57f elementor-widget elementor-widget-image" data-id="689e57f" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img loading="lazy" decoding="async" width="601" height="1024" src="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png" class="attachment-large size-large wp-image-7070" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png 601w, https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1-176x300.png 176w" sizes="(max-width: 601px) 100vw, 601px" /> </div> 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Key Worker Mortgage Scheme 2023

Everything you need to know about Key Worker Mortgage Schemes in 2023. This guide should answer all your questions.

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Table of Contents

A mortgage article by Mark Robinson – Mortgage & Equity Release Broker

Key Worker Mortgage Schemes in 2023

There have been various schemes available up until now, however most were aimed at First Time Buyers.

That all changed this year. We now have a Key Worker Mortgage Scheme for 2023. The government First Homes scheme launched and is available to all first time buyers and Key Workers.

You may find that the scheme is not widely available, and therefore we have come up with some alternative Key Worker Mortgage Schemes for 2023. This article has been written at the end of 2023, and we are designing it to also apply to the Key Worker Mortgage Scheme 2023 as well.

key worker mortgage scheme 2023

Are There Any Mortgages For Key Workers?

There are plenty of mortgages that are designed specifically for Key Workers. These may not always be the best option for you though. It is worth seeking specialist advice on what the best course of action will be for your personal situation.

Mortgages for Key workers usually have:

  • A special interest rate
  • Special criteria
  • A higher income multiple
  • All of the above!

However, sometimes the best product for your situation may not be a Key worker mortgage, even if you are a Key Worker.

Who Qualifies For Key Worker Mortgage?

Many different people will fall into the role of Key Worker, it will vary, depending on lender, who they consider to be key workers. Some of the usual areas are:

  • NHS workers
  • Military
  • Teachers
  • Justice workers 
  • Firefighters
  • Police
  • Government employees

The specific jobs that are considered Key Workers will be huge, and we can’t list them all. It is usually best to speak to either your advisor or lender who will be able to tell you whether you qualify.

Available Schemes To Help Key Workers Get On The Property Ladder in 2023

Shared Ownership Scheme

The shared ownership scheme has been around a long time. It has changed a bit over the years, but still offers the same principle – Helping people get on the property ladder.

The shared ownership scheme lets you part buy and part rent your home. Allowing you to buy a property with a lower deposit or lower income. This scheme can be great for first time buyers and key workers, as you can usually buy more shares of the property over time.

First Homes Scheme

This is the primary Key worker mortgage scheme for 2023. This will allow you to buy an eligible new build property at a minimum 30% discount. The first homes scheme is open to First Time buyers and key workers. So it is the perfect Key worker mortgage scheme in 2023.

Right To Buy scheme

The Right to buy scheme allows eligible people to buy their home off the council or their housing association. Usually at a considerable discount. The main caveat is that you cannot sell the property or rent it out within a certain timeframe, often 7 years.

Deposit Unlock Scheme

The Deposit unlock scheme is a lender led Key worker mortgage scheme that has taken off in 2023. The scheme allows you to buy an eligible new build property with as little as 5% discount.

This can mean getting on the property ladder with a smaller discount, making it slightly easier.

What is the 95% Mortgage Scheme for Key Workers?

Unlike other schemes the deposit unlock scheme, or 95% mortgage scheme is available to anyone. Most schemes tend to be limited to First Time buyers or Key Workers. However, this scheme can be used by First Time Buyers and Home Movers.

Essentially allowing anyone to buy a new build property with a 5% deposit. This is unusual as before this scheme launched many lenders needed at least a 10% deposit for a New Build Property.

Can I Use A Key Worker Mortgage Scheme With Bad Credit?

Depending on the scheme you may find that Bad credit is not allowed. However, some lenders allow for a bit of bad credit, it will generally depend on the severity.

Bad credit may include:

  • Missed payments on secured or unsecured credit agreements
  • Defaults
  • CCJs
  • IVAs
  • Debt Management plans
  • Bankruptcy

A general rule to follow for most lenders is that you should try and repay any debt before application. However, some lenders may not require this, especially if it is an older debt.

What Documents Will I Need For A Key Worker Mortgage Scheme?

The documents required for any mortgage will vary, however most lenders require the same core items:

  • Bank statements
  • Proof of income – This could be payslips, or tax calculations if self employed
  • Proof of deposit – Either via your bank statements, or a gifted deposit form
  • ID proof – Usually a Passport or Driving licence, however it is growing more common to do ID checks electronically in recent years.

Whilst these are the documents usually required for more mortgage lenders, you could require different ones or extra on top of these.

Do I Need A Broker For A Key Worker Mortgage Scheme In 2023?

You may not need to have a mortgage broker or advisor for a Key Worker mortgage scheme. It will usually depend on the housing association or developer selling the property. Some may require you to use an advisor, but usually you are not required to use a specific advisor.

It is probably a good idea to use a specialist mortgage broker for a Key worker mortgage scheme, as they can be quite complicated. If you can find one, an independent mortgage broker that is not tied to one lender may give you a better spread of lender options.

Can I borrow more using a Key Worker Mortgage Scheme in 2023?

You may be able to utilise a key worker mortgage scheme in 2023 in order to borrow a higher income multiple than a standard product offers.

Most mortgages only let you borrow between 4-4.75 times your income. However, a Key worker mortgage scheme may let you borrow up to 6 or 7 times your income potentially. This can dramatically increase the amount you may be able to borrow.

Got a question on the Key Worker Mortgage Scheme 2023 we haven’t answered? Perhaps we do on our Main Key Worker page. If not, get in touch