For those furloughed workers still hoping to take advantage of the stamp duty holiday and press ahead with their home buying plans, Roberts said there are still options open to them. 'Furloughed workers still need access to mortgage products and they shouldn't assume that their circumstances mean they are locked out of the mortgage market,' he said. 'There are options and speaking to an independent mortgage adviser who can help navigate the available products should be everyone's first step.' Furlough income won't suffice Since the job retention scheme was extended, most lenders have not been accepting furloughed income according to David Hollingworth, associate director at L&C mortgages.