Walk into a mortgage conversation with your income evidence sorted.

What the pack is for

Lenders do not just look at your salary; they look at how confident they can be that it will keep arriving. For a firefighter, basic pay is easy to evidence. Overtime, on-call earnings and allowances are where preparation makes a difference, because lenders may average them over a period and count only part of them. The pack turns the free mortgage readiness check into a working file: a structured overtime history, a checklist of documents, side-by-side scenarios and a list of questions for an adviser.

Who it is for

Serving firefighters and officers planning to buy or remount in the next year or two, particularly those whose income includes overtime, on-call retainer or local allowances; first-time buyers building a deposit (see the overtime-to-deposit tool); and partners or advisers who need a clear summary. It is not suitable as a substitute for regulated advice.

What is inside

• Income summary built from the NJC pay table effective 1 July 2026 and your own allowances, overtime and on-call figures.
• 24-month overtime log with 3, 6 and 12-month averages and a steadiness measure, which you can feed straight into the borrowing figures.
• Three-purchase comparison: price, deposit, rate and term side by side with LTV, loan-to-income, monthly payment, the rate-stress payment and the next LTV tier.
• Evidence pack checklist of 13 documents with why each matters and where to get it, plus the overtime-evidence readiness score.
• Adviser questions tailored to your numbers (short overtime history, an uneven pattern, an LTV tier just above, a loan above a cautious multiple, on-call pay) on top of a core list.
• Printable summary with an optional AI-written interpretation, saved reports in your account and CSV export.
• Ask AI: questions answered from your own figures, with a fair-use limit.

How it works and what it assumes

Overtime is valued at the published NJC overtime rate for your role (the plain hourly rate for group and area managers, where none is published). Where you log overtime, one button applies the average of your log to the borrowing figures. Lender treatment is modelled with percentages and multiples that you can change; they are illustrative planning assumptions rather than verified lender rules, because policies differ between lenders and change. Many lenders begin around four to four and a half times income, and the Bank of England's loan-to-income flow limit recommendation (no more than 15% of new mortgages at 4.5 times income or above) is one reason 4.5 is a common practical ceiling. See the firefighter mortgage guide for more, and the mortgage borrowing calculator for a single quick range.

Honest limits

The pack does not check a lender's criteria, search credit files, give an agreement in principle or recommend a product. Real offers depend on affordability, commitments, credit history, valuation and lender policy. Repayment figures are simple repayment-mortgage arithmetic at the rate you enter. If you are unsure, speak to a regulated mortgage adviser; your home may be repossessed if you do not keep up repayments on a mortgage. To see your take-home pay first, use the free pay report, and read the payslip guide to understand the lines a lender will read.