Mortgages for professionals, assessed on your trajectory.
Partners, barristers, consultants and senior finance professionals rarely fit a standard affordability model. We present your income the way specialist underwriters and private banks need to see it, so you borrow on what you earn, not what a calculator assumes.
Loans from £500,000 · Whole of market including private banks · UK & international clients
Specialist lending by profession
Our clients typically buy in London, Bristol, Bath and the Home Counties, with household incomes from £150,000 and many above £300,000.
Law firm partners & solicitors
New equity partners, salaried partners and senior associates, including offers based on a firm letter before your start date.
Lawyers →Barristers
Self-employed income from chambers assessed on fees received, with lenders who understand aged debt and variable billing.
Barristers →Doctors & consultants
NHS consultants, private practice and mixed income, including enhanced multiples for qualified medical professionals.
Doctors →Dentists
Associates, practice owners and multi-site principals, with income and business ownership structured correctly from the outset.
Dentists →Accountants & finance
Partners, directors and senior finance professionals with bonus, carried interest, RSUs or deferred compensation.
Accountants →Partners in a firm
LLP and partnership drawings, capital contributions and equity partnership loans assessed properly.
Partners →The same income, presented differently
Two lenders can look at the same partner or consultant and reach very different borrowing figures. The difference is in how income is evidenced, which elements are counted and which underwriting route the case goes through.
We know which lenders take a forward view of a partnership offer, which will use bonus and RSUs, and which private banks will lend on total wealth. That is where the extra borrowing, and the better rate, come from.
- Income multiples up to 6.5x for qualifying professionals
- Offers based on a contract or firm letter before you start
- Foreign currency income accepted by selected lenders
- Interest-only and part-and-part structures where they suit
Why not use your firm’s preferred lender?
Some firms have in-house brokers or direct lending relationships. They are convenient, but they can only offer one bank’s view, and the structure tends to suit the bank rather than you.
As a directly authorised, whole-of-market brokerage, we compare private banks, specialist lenders and the high street side by side, and negotiate terms on your behalf.
Investment-sector clients buy before they sell
An 18-month interest-only facility across two properties let professional clients complete on a £3m+ South East home before selling their existing house, with no exit penalties.
Frequently asked
How much can I borrow as a professional?
Qualifying professionals can access income multiples up to 6.5x with selected lenders, and private banks may go further where total wealth supports it. Your figure depends on income structure, commitments and the property.
Can I get a mortgage before I start a new role or partnership?
Yes. Several lenders will lend on a signed contract or a letter from your firm confirming your start date and remuneration.
Do you work with clients outside London?
Yes. Most of our clients buy in London, Bristol, Bath and the Home Counties, and we advise UK-wide and internationally.
Speak to a specialist in professional lending
Tell us the outline of your purchase or refinance and we will come back with indicative terms. No call centre, no obligation.