The short answer
Household costs matter even when they do not appear as a debit order.
What this means for you
A responsible lender must assess whether repayments fit your income and existing obligations. A lower instalment alone does not prove that borrowing is affordable.
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
Do dependants affect affordability?
Household costs matter even when they do not appear as a debit order.
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 consumer guide. Source pages describe general rules or lender processes; individual circumstances can differ.