Access the Best Professional Mortgages across the UK

Exclusive Mortgage Rates for Qualified Professionals

• Accountants
• Architects
• Actuaries
• Barristers
• Chartered Surveyors
• Dentists
• Engineers
• Financial Advisers
• Medical (Ambulance, Doctor & Nurse)
• Optometrists
• Pharmacists
• Pilot
• Police
• Solicitors
• Teachers
• Veterinarians

I ended up with a really good rate and would now never go anywhere else. First class service from start to finish!

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What is a professional mortgage?

A professional mortgage is a specific mortgage, offered by certain lenders, to customers who are in specific job roles. They are not necessarily particular products, but rather enhanced rates and terms that are offered as certain professions are seen as potentially lower risk.

How does this help professionals – are there different mortgage products for professionals compared to other people?

This type of mortgage is offered by specific lenders, so is not available from every lender. These lenders are a mix of high street lenders (standard rates) and specialist lenders (slightly higher rates). They are still standard mortgage products, but the difference comes down to the appetite of the lender and the profile of yourself, which they see as lower risk. So the mortgage itself is still a standard mortgage, but they usually allow professionals to borrow more than a standard mortgage, which of course can help you purchase a higher valued property.

What if it is a joint mortgage? Do we both need to qualify?

No. The great element of criteria offered by most of our mortgage lenders, is that they will apply the higher income calculations on both applicants, but only ONE of you needs to meet the professional criteria.

Are affordability tests different for professional mortgages?

No, affordability tests are still the same and every mortgage needs to be within your financial circumstances. Everything we offer is suitable, affordable and sustainable, however, you will be able to afford more with a career path that has a proven track record for increasing salaries. This can be taken into account and you can therefore get more flexibility with certain lenders who know that you are secure in your profession.

What are the key aspects of professional mortgages?

As mortgage lending is base on affordability – the lender will look at a variety of factors (income, age,debt, dependents etc) and will then work out how much they feel is affordable for you to borrow. With standard mortgage calculations, borrowing is usually capped at around 4.5 to 5.5 times your salary.

However, some mortgage lenders will increase this to 6 times your salary for the right professionals.

How do I qualify for a professional mortgage?

Criteria is different for every lender and every product. We have specialists across all types of scenarios to ensure our customers have the best chance of qualifying for the mortgage they need. Just like any mortgage, qualifying for a professional mortgage is based on affordability and other factors above.

For these though, if you work in one of the listed professions above, and provide us with some basic information about your salary, deposit and credit file, we can quickly establish which mortgage lenders are right for you.

How paperwork do I need?

• ID Verification (Passport or Drivers License)
• Payslips if employed or tax returned if self employed
• Bank Statements