The short answer
You can ask again, but unchanged affordability or credit circumstances may lead to the same result.
What this means for you
A lender considers your employment, affordability and credit information together; no single detail guarantees approval.
For a government employee, your exact position, income, existing repayments and the lender’s programme rules can affect the outcome. Check the complete offer and ask the lender to explain anything you do not understand before accepting credit.
Frequently asked questions
Can I apply after a previous decline?
You can ask again, but unchanged affordability or credit circumstances may lead to the same result.
Does working for government guarantee approval?
No. The lender still checks its employer rules, credit information and affordability.
Where can I confirm the terms that apply to me?
The lender’s written quotation and credit agreement will set out the rate, fees, term and total repayable.
Further reading: National Credit Regulator. Source pages describe general rules or lender processes; individual circumstances can differ.