23 May Can You Really Make a Living as a Supply Teacher? Absolutely – Here’s How
If you’re a qualified teacher wondering whether supply teaching can provide financial security, career satisfaction, and even the ability to get a mortgage — the short answer is yes, it absolutely can.
In fact, more and more educators across the UK are turning to supply teaching for the freedom, flexibility, and fair pay it offers. At Moore Teachers, we see this first-hand every day — placing primary teachers in roles that suit their lifestyle and professional goals, while ensuring competitive rates, pay to scale from day one for roles with full class responsibility, and genuine support from a local team who understands your needs.
But let’s break it down further: Can supply teaching really offer a sustainable income? Can you still get a mortgage? Is it worth leaving a full-time post for? Let’s explore both sides.
The Concerns: Is Supply Teaching Financially Viable?
Let’s address the elephant in the staffroom.
It’s true — supply teaching sometimes carries a reputation for being unpredictable. Some teachers worry about inconsistent income, limited hours, or lack of financial stability. Understandably so! If you’re used to the structure and regular pay of a permanent teaching post, making the shift to supply can feel like stepping into the unknown.
There’s also a lingering myth that supply teachers earn less. In some cases — particularly with agencies that use umbrella companies — teachers may see their earnings chipped away by hidden fees or reduced take-home pay due to third-party deductions.
The Reality: You Can Make a Living as a Supply Teacher
Here’s the good news: with the right agency, supply teaching is not only financially sustainable — it can be incredibly rewarding.
At Moore Teachers, we work exclusively with PAYE (Pay As You Earn), meaning no umbrella companies, no hidden deductions, and more money in your pocket. You’re paid directly, your tax and National Insurance are handled clearly and compliantly, and you’re not subjected to extra fees that many other agencies quietly pass on to teachers. This means you take home more of what you earn — plain and simple.
We also offer:
- Pay to scale from day one for full class responsibility positions, meaning you’re compensated fairly based on your experience, not just a flat daily rate.
- Consistent demand for primary supply teachers across Hertfordshire, Essex, and surrounding areas — we’re genuinely busy all year round.
- Flexibility to suit your lifestyle — whether you want full-time, part-time, or occasional work.
So yes, not only can you make a living, but you can often find that supply teaching gives you more control over your time and wellbeing, without sacrificing financial stability.
Can Supply Teachers Get a Mortgage?
Absolutely — and this is a big one.
It’s a common misconception that supply teachers struggle to get approved for mortgages. The truth is, you can — especially when you’re paid via PAYE, like at Moore Teachers. Many mortgage lenders look for stable income history and clear payslips, which PAYE provides.
If you’re working regularly (as many of our supply teachers do), with a trackable income and tax contributions, you’re in a solid position to apply for a mortgage — and we’ve supported teachers who’ve done just that.
Why Teachers Are Choosing Supply
Beyond the finances, teachers are choosing supply for lifestyle reasons too:
- More flexibility to manage personal and family commitments
- Variety in the classroom without long-term responsibilities
- Reduced workload – no marking, planning, or meetings in many cases
- A chance to rediscover the joy of teaching, free from the pressure of politics and paperwork
Moore Teachers places educators in supportive, well-matched schools — ensuring your skills are valued, and your work is impactful. We pride ourselves on being a go-to agency for primary teachers, with roles that fit you — not the other way around.
So, Can You Make a Living on Supply?
Yes — with the right support, supply teaching can absolutely be a viable, rewarding career.
It comes down to working with an agency that:
- Pays to scale from the start
- Uses PAYE, not umbrella companies
- Offers consistent, high-quality roles
- Understands your value as an educator
That’s where Moore Teachers comes in. We’re here to make supply teaching work for you — professionally, financially, and personally.
Ready to Make the Move?
If you’re thinking of transitioning into supply teaching — or already doing it but want a better experience — get in touch with Moore Teachers today. We’re proud to support primary teachers across Hertfordshire and Essex with fair pay, full transparency, and a workload that works around your life.
👉 Contact us today either by calling 01992 611902, or uploading your CV via our Contact Form. We can’t wait to hear from you!