Mortgages by Profession
We advise a wide range of professionals, from barristers and doctors to dentists, teachers and solicitors. Many have complex or mixed income structures, including self employed practice, partnerships, fixed term contracts, bonuses or profit shares.
Our role is to understand how you are paid, how your career is evolving and how lenders will view your profile. We use our established lender relationships and sector knowledge to structure applications that reflect your full financial strength, then negotiate terms that support both your professional and personal plans.
Barrister Mortgages
Barristers often have irregular fee income, aged debt and significant tax payments, which can sit uneasily with standard underwriting. We work with lenders who understand the Bar, taking a sensible view of pupillage awards, clerk projections and mixed chambers or judicial income. Our role is to translate your practice into a clear, credible mortgage case, whether you are in second six, an established junior or KC.
Solicitor Mortgages
For solicitors, income can be a blend of salary, bonus, profit share and partnership drawings, with career moves between firms adding further complexity. We work with lenders who recognise this structure and are comfortable assessing earnings beyond a simple basic-pay figure. Whether you are a newly qualified associate, salaried partner or equity partner, we structure borrowing around your trajectory and long term plans.
Dentist Mortgages
Dentists frequently work as self employed associates, practice owners or partners, with income influenced by UDA contracts, private work and business overheads. Many high street lenders struggle to interpret these figures. We help present your accounts, drawings and retained profits in a way that lenders can properly understand, supporting both residential purchases and, where appropriate, borrowing linked to practice ownership.
Doctor Mortgages
Doctors may have a mix of NHS salary, private practice, locum work and additional allowances, often across multiple roles and contracts. Standard affordability models rarely capture the full picture. We work with lenders who specialise in medical professionals, combining your different income streams into one coherent case and securing mortgage terms that reflect both your current position and future earning potential.
Teacher Mortgages
Teachers and education professionals can face hurdles with fixed term contracts, supply work or varying responsibilities across the academic year. We work with lenders who understand pay scales, TLRs and incremental progression, and who are willing to look beyond a single year’s payslips. Our advice focuses on securing a stable, affordable mortgage structure that fits around your role, family life and future plans.