Professional mortgages
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Professional mortgages
There’s a lot to be proud of when it comes to reaching a professional goal. Whether you’re a newly qualified doctor starting a brand new role, an accountant stepping up and taking on a partnership position, or a vet who’s about to open your own practice, reaching a professional milestone is a big deal. Not only does your professional career bring financial security and strong future earning potential, but it also gives you access to professional mortgages.
Traditional mortgage assessments don’t always reflect the financial stability and success of professionals, which is why many lenders offer professional mortgages. These mortgages are
designed for skilled, registered professionals and they offer more flexibility, higher borrowing limits and lending criteria that’s tailored to your career path.
At Everest Mortgages, we celebrate your career by helping you to find a professional mortgage that gives you the property buying opportunities and competitive rates your professional status has earned.
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What is a professional mortgage?
A professional mortgage is a specialist mortgage for individuals in specific professional fields such as doctors, medical professionals, solicitors, barriers, dentists, chartered accountants, pharmacists, architects and vets. These mortgages acknowledge your qualifications and earning potential, enabling you to buy a home or investment property with lending terms that reflect your future career trajectory, not just your current salary.
A lot of fixed term contract mortgages and variable rate mortgages are approved based on current earnings, credit scores, savings and affordability. But, as a professional, your finances change quickly, and for the better. With a professional mortgage, lenders take the hard work you’ve put into building a professional career, and the financial stability that comes with that, into account.
Who are professional mortgages for?
If you’re a professional who wants to move house, a first time buyer or you need to remortgage, a professional mortgage could be right for you. This includes:
- If you’ve recently qualified and you’re at the start of your professional career.
- If you’re still in training, but you have a confirmed job offer.
- If you’re self-employed, but working on a contract or locum basis.
- If you’re looking for higher borrowing than standard mortgages offer.
- If you’re wanting to remortgage as your income grows.
To be approved for a professional mortgage, most lenders require you to have qualified within the last 5 to 10 years, but this does vary from lender to lender.
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How do professional mortgages work?
Professional mortgages work in a similar way to standard first time buyer mortgages, variable rate mortgages and fixed rate mortgages, but they come with a lot more flexibility and tailored lending criteria, all of which is centred on the unique circumstances of a working professional.
Higher borrowing limits
As a professional, you are likely to have an impressive future earning potential, which means many lenders allow borrowing of between 5x and 6x your income. With a standard mortgage, you’ll usually be limited to borrowing between 4x and 4.5x.
Future earning potential considered
Lenders often use confirmed future contracts or your expected salary to decide how much they’re willing to lend and the rate you’re given, especially for newly qualified doctors, solicitors and other professionals on clearly defined pay scales.
Flexible income assessment
A lot of professionals have additional income to put towards a mortgage, so lenders take bonuses, locum work, private fees, consultancy and partnership drawings into account.
Qualification recognition
Lenders often require proof of qualification and registration with a professional body before approving you for a professional mortgage.
Early career support
Some lenders are willing to approve your mortgage before your first payslip, based on your employment contract and offer letter.
Though each lender has its own criteria for professional mortgages, your career and earning potential carry a lot of weight in the mortgage decision. With Everest Mortgages, you can use that to your advantage.
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Top 4 advantages of professional mortgages
You’ll be able to borrow more
With a professional mortgage, there’s a high chance you’ll be able to borrow more, giving you access to a wider range of properties.
It doesn’t matter if you’re just starting out
You might be newly qualified or about to start an exciting new role, but that won’t hold you back from getting a professional mortgage.
Flexible income is taken into account
If your income is flexible and comes from a variety of sources – for example, via locum or private work, bonuses or multiple income streams – lenders will take it all into account.
Competitive interest rates
Despite being able to borrow more, professional mortgage rates are generally competitive. You won’t be subject to higher rates simply because you’re able to borrow more than most.
Are there any downsides?
The benefits of professional mortgages are clear, but there are a handful of things to consider before you head to Rightmove and start picking out your dream home. For example, professional mortgages are only available to recognised professional roles, and many lenders require you to have qualified within the last 5 to 10 years. You’ll also have to meet affordability and credit score requirements.
For most professionals, these downsides are quickly outweighed by the undeniable benefits.
Simplify the professional mortgage process
Not all lenders offer professional mortgages, and those that do often have very specific rules on qualifying occupations, experience, income types and career stages. This is why it’s a good idea to work with a specialist mortgage broker, which is where we come in.
With Everest Mortgages working alongside you, you’ll gain access to lenders who offer enhanced income multiples. You can apply for a mortgage, with confidence that you’re accessing the right lender and borrowing capacity based on your career. With mortgage advice based on your profession and income structure, and support with the entire process, you’ll be on your way to securing a professional mortgage in no time.
We’re here to help you secure competitive mortgage rates, make the most of your earning potential and navigate the paperwork side of things with ease. Whether you’re a newly qualified doctor, an established architect or a solicitor moving up the ladder, we ensure your mortgage reflects your future.
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Why choose Everest Mortgages?
Independent, whole-of-market advice from advisers who put you first — every time.
Advisers you can trust
We're totally impartial and focused on finding the perfect mortgage to suit you — not the lender.
We search the market for the best deals
We work with all lenders, big and small, to give you exclusive access to a comprehensive range of mortgage rates.
We work to your schedule
We're flexible to fit around you — evenings, weekends, whatever works best for your life.
We take away the hassle
We deal with lenders on your behalf, so everything from paperwork to negotiation is completely stress-free.
We're supportive and friendly
Our highly experienced advisers make the entire buying process painless by taking all the work off your hands.
John Everest
Qualified Mortgage Adviser & Founder
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John is a CeMAP-qualified, whole-of-market mortgage adviser and Director of Everest Mortgage Services. With over 21 years in financial services, and a track record of 1,000+ mortgages arranged.
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FAQs
Frequently asked questions
What professions qualify for professional mortgages?
The list is long, but typically doctors, dentists, solicitors, barristers, accountants, pharmacists, vets, architects and surveyors will all qualify.
Do I need to be fully qualified to be approved for a professional mortgage?
No, not always. Some lenders accept applicants who are still in training or those with signed contracts starting soon.
How much can I borrow with a professional mortgage?
You can usually borrow more with a professional mortgage, compared to standard mortgages, up to 5x to 6x your income.
Can I apply with a non-professional partner?
Yes, you don’t both need to be professionals. Only one applicant needs to meet the professional criteria.