Mortgages for Police Officers
Being a police officer is a tough job.
You work hard serving the community, but when it comes to getting a mortgage or refinancing, you’re met with roadblocks. Maybe you’ve been declined by a lender because you don’t have a big enough deposit. Or perhaps you’ve been offered a deal but now you’re worried it might involve overpaying on interest rates and fees.
If you’re looking to refinance, you might get stuck with a high-rate loan, unable to free up cash for renovations, consolidate personal debt, or invest in property to build your wealth.
Finding the right loan can feel overwhelming and time-consuming, especially with your demanding job. Getting knocked back or facing complicated lender policies can make it seem like homeownership or refinancing is out of reach, even when you have a stable and reliable income.
And while you’re dealing with endless paperwork and spending hours researching to find a lender who will actually approve you, property prices keep climbing, making it feel like your opportunities are slipping away. So the last thing you need is to waste time on applications that go nowhere, damage your credit score, or leave you paying more than you should.
That’s why you need to speak to Chris Godwin. After serving in the police for over five years, Chris now helps other police officers like you secure a cost-saving mortgage with minimal effort.
He can assess your situation upfront to determine how much you can borrow without affecting your credit score, so you can apply with confidence.
He can also help you access exclusive police-friendly loans that come with mortgage insurance waivers and ultra-low interest rates, helping you buy a home sooner, lower your repayments, or tap into your home’s equity to achieve your financial goals.
Chris handles everything for you, from paperwork to lender negotiations, so you don’t have to worry about making costly mistakes or navigating the process alone.
With expert guidance, you could buy a home in your preferred suburb, closer to work and family, without overpaying on fees and interest. Or, if you already own a home, you could refinance to lower your repayments, fund renovations, or invest in another property to grow your wealth. And all without unnecessary stress and complications.
Get pre-assessed today in under 15 minutes. Complete the quick enquiry form to request a home loan advice call with Chris or phone him directly at 0420 908 218 to get expert advice on police mortgages.
Get StartedFill in this form or call Chris to get mortgage advice tailored to serving police officers in Australia. Save money and get maximum flexibility with your mortgage.
or call: 0420 908 218
Chris is an ex-police officer and veteran mortgage broker who understands police income and lender policies so that you save money on your mortgage, protect your credit score, maximise your borrowing power, and avoid wasting time on mortgage applications.
Many police officers unknowingly pay $5,000 – $10,000 (or more) in mortgage insurance premiums despite qualifying for a waiver. By understanding how to access these waivers, you can avoid hefty upfront costs, leaving more money available for your family, holidays, or home improvements. I’m aligned with lenders that offer waivers to police officers, and I understand when and how to apply them.
Applying directly to lenders without proper preparation can lead to rejections, wasted time, and unwanted marks on your credit file. Having your situation pre-assessed against lender policies provides clarity, protects your credit score, and significantly reduces stress. I’ll ensure your situation is pre-assessed against lender policies before you apply for a mortgage without affecting your credit score.
Without proper negotiation, many police officers end up paying higher interest rates for their home loans. Having your interest rate negotiated upfront, and regularly reviewed thereafter, means you keep more money in your pocket, freeing up funds for the things you really want to spend money on. I’ll handle this negotiation process for you, ensuring your lender is kept on their toes, and your interest rate is kept as low as possible.
Lenders often underestimate police income by ignoring overtime, shift allowances, and other benefits, reducing borrowing capacity. Ensuring your full income is recognised can significantly increase how much you can borrow, allowing you to afford a better home, a preferred location, or additional investments. I’ll ensure your income is fully considered to maximise your borrowing potential and inform you about lenders with police-specific income policies that let you borrow more.
We will find the right solution, so you can secure your home without the hassle.
We’ll take the time to understand your unique situation and goals.
We’ll do thorough research, provide you with a few loan options and help guide you through your decision.
Once you’ve selected your preferred loan we’ll do the legwork to get it lodged, approved and settled.
We’ll stay in touch to make sure that you still have the right loan as your situation changes (and try to save you money along the way!).
Fill in this form or call Chris to get mortgage advice tailored to serving police officers in Australia. Save money and get maximum flexibility with your mortgage.
or call: 0420 908 218