Chalkstone for Intermediaries  ยท  the dedicated broker service of Chalkstone Building Society
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Specialists in education lending since 1971

Mortgages made for educators. Backing built for brokers.

Instant answers on our niche criteria, a real underwriter when your case is complex, and dedicated support for Early Career Teachers. Place your education cases with a lender who gets them.

Start an application

Log a new education case with our intermediary team.
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Prefer to talk? Call the intermediary team on 0800 555 0142
7xincome for education professionals
95%maximum LTV for Newly Qualified Teachers
5%minimum deposit accepted
24/7instant criteria answers via webchat
What we lend on

Mortgages for the cases others turn away

Human underwriting and flexible criteria for teachers at every career stage, plus the wider residential market.

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Early Career Teachers

Lending on the strength of a job offer, initial contracts treated as permanent, and completion up to 2 months before the first teaching role.

See the criteria โ†’
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Standard residential

Purchase and remortgage up to 95% LTV for teachers and other professions, with income multiples up to 7x for educators.

View criteria โ†’
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Complex and specialist

Self employed, fixed term, supply and contract income, family assisted lending and lending into retirement. We welcome a challenge.

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Early Career Teachers

Maximum 95% LTV for Newly Qualified Teachers

We have championed new teachers for over fifty years. Your NQT clients can borrow with confidence, even before their first payslip lands.

  • Assessed on an initial job offer, no payslip required
  • 12 to 24 month initial contracts treated as permanent
  • Completion up to 2 months before the role begins
  • Up to 7x income for education professionals
95% maximum loan to value
See NQT lending criteria
Lending criteria at a glance

The key numbers your clients ask about

Need the detail on a niche scenario? Our Virtual Agent answers criteria questions instantly, day or night.

7xloan to income, education professionals
18 to 83applicant age range, start to end of term
ยฃ13,000minimum income for one applicant
4maximum applicants per application
80%maximum LTV for family assisted lending
75%maximum LTV for holiday let
5 yearsclear of any IVA or bankruptcy
England & Walesour lending area
Broker support

Two ways to get an answer

Instant self service for routine criteria, and a real specialist the moment your case needs one.

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Virtual Agent webchat

Instant answers on lending policy and criteria, around the clock, so you never wait on hold for a routine question. Open the chat launcher in the corner of your screen.

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Intermediary team

Complex case? Our webchat hands you straight to a human underwriter with your full chat history attached.

0800 555 0142
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Criteria library

Full lending criteria, packaging requirements and product guides, ready to download for your files.

Download the guide โ†’