PROFESSIONAL MORTGAGES OVERVIEW | MEDICAL PROFESSIONAL MORTGAGES
Being a professional, such a Doctor, Surgeon, Barrister, Architect, Investment Banker, Dentist, Engineer, Scientist (to name a few) is where we specialise in helping you obtain the best possible terms for your mortgage.
Allowing us to work with you, understand your current financial goals and helping you grow and develop is where our strengths lie.
In today’s market, all lenders tend to use their own affordability calculations to calculate how much they are willing to lend you, however some lenders are known to offer exclusive mortgage products for those in professional employment. You may also benefit from reduced rates and fees.
From your profession, income and credit history, how to structure and package your case and which lender is best suited is a skill we have developed over our 15-year journey. We genuinely enjoy working with professionals and high-income earners looking for mortgage solutions for £500k and above.
You will find that going directly to a bank or lending institute may not always be the best option for you. Ensuring your case is packaged and presented correctly makes all the difference to obtaining credit. As we are independent, we have access to majority of lender rates in the market place and can help narrow down your options and save you time searching and applying to different institutions.
To discuss your mortgage requirements in the strictest confidence please get in touch using the below form.
We specialise in £500k plus mortgages for Doctors, Surgeons and Consultants.
Arranging mortgages in these sectors can be difficult due to the structure of your LLP, irregular income streams or multiple income streams in many cases.
Generally lenders like to have evidence of consistent income from one or two streams which can be evidenced over a period of months/years. We understand that this may not be the case for Doctors, Surgeons and Consultants. We realise that income can come from practice work, NHS and private consultancy. We work with you and your accountants (if needed) to provide clear and efficient mortgage solutions.
We structure your application and may request your CV to provide our lenders with an overall picture of stability. High street lenders have stumbled on lending in this arena but we have access to specialist lenders, building societies and private banks who have a real appetite for this type of business and fully understand how multiple income streams work, especially in the medical sector.
We work with lenders who offer a sensible approach with great rates and have the facility to speak with their underwriters to see how best your case can progress.
We understand NHS pay bands and depending on your case can use your NHS P60 plus additional income streams to work out max lending.
To discuss you mortgage requirements in the strictest confidence please get in touch using the below form.
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