The short answer
Yes. A final decision can change after verification and affordability checks.
What this means for you
A lender may use a consented credit check alongside affordability information. No website or agent can promise approval from a score alone.
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 lender reject an application after prequalification?
Yes. A final decision can change after verification and affordability checks.
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.