Mortgages for law firm partners, before day one.
New partners and senior lawyers at City, US and national firms often need to buy before their income is on a payslip. We arrange lending on a firm letter, with income multiples that reflect where your career is going.
Loans from £500,000 · Whole of market including private banks · UK & international clients
Lending that recognises partnership income
Making partner changes how lenders see you. Drawings replace salary, capital contributions appear, and profit share arrives unevenly. Many lenders treat that as risk. The right ones treat it as a strong, rising income.
- Offers based on a letter from the firm in advance of your start date
- Income multiples up to 6.5x with selected lenders
- Foreign currency income accepted, including US-dollar remuneration
- Equity partnership and capital contribution loans assessed correctly
- Interest-only and offset options to manage drawings and tax payments
Your firm’s broker works for the bank
Some firms offer in-house brokers or direct lending relationships. That limits you to one lender’s criteria, and the loan is structured around what works for the bank, not your partnership agreement, tax position or plans.
We are whole-of-market and directly authorised by the FCA. We compare private banks, specialist lenders and the high street, and negotiate on your behalf.
Across the legal profession
New equity partners
Buying on the strength of a partnership offer, with capital contributions and drawings structured from the outset.
Salaried partners & counsel
Base and bonus assessed together, with enhanced multiples where your role and firm qualify.
Senior associates
Lateral moves and US-firm packages, including lending before your first payslip.
Frequently asked
Can I get a mortgage before I become a partner?
Yes. Several lenders will lend on a firm letter confirming your partnership start date and expected remuneration.
Is my capital contribution loan deducted from my borrowing?
Not always in full. How the repayments are treated varies by lender, and we place you with those who assess it fairly.
Do you charge a fee?
For UK residents, we do not typically charge a broker fee for first-time buyers or on loans over £1m. Any fee is agreed in writing before we start, and lender fees are set out clearly before you proceed.
Discuss your partnership mortgage in confidence
Tell us the outline of your purchase or refinance and we will come back with indicative terms. No call centre, no obligation.