The short answer
A government pension is different from current employment; check the lender’s pensioner criteria.
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 a pensioner who formerly worked for government apply?
A government pension is different from current employment; check the lender’s pensioner criteria.
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.