With different lending criteria, mortgage requirements, interest rates and charges for mortgages for professionals, it is important that you get the right mortgage advice and deal for you. We deal with the first time buyer and home mover market, providing sound mortgage advice and mortgage solutions for property purchases and remortgages.

Our mortgage advisers have built strong relationships with clients and lenders, working efficiently and quickly on your behalf, understanding that time is often of the essence.

We will collect all your income and personal details from you at outset, and your mortgage broker will provide you the mortgage advice you need and secure the best deal for you.

They will be with you through the whole mortgage process, so you deal with the same person throughout. There's no need for you to chase the lender or other parties involved and pride ourselves on the exceptional service we offer in this arena.

We have direct access to underwriters at main stream UK lenders, specialist lenders and Private banks who will offer mortgages for professionals, which will enables us to provide you with the best mortgage options based on your circumstances and requirements.

You will find that going directly to high street lenders or building societies may not always be the best option for you as not all lenders will offer professional mortgages and you may find that you end up going around from lender to lender with no progress.

Ensuring your case is packaged and presented correctly makes all the difference to obtaining a mortgage offer in all cases, but is especially crucial when arranging mortgages for professionals, as they can sometimes have multiple or complex income streams - for example, PAYE from the NHS, own practice income, income from a partnership arrangement which will normally be classified as self employment, and therefore may restrict the lending.

This is where we come in as your adviser, as we understand what mortgage lenders require for a professional mortgage, and make your mortgage journey and application process stress free for you.

Every lender will have its own affordability calculations that they work from, lending criteria and document requirements to accept an application for a professional mortgage and issue a mortgage offer.

Things they will typically look for are below, your London FS mortgage broker will provide you with the advice you need and go through all of this with you in detail:

• Personal information - what you do and background
• Type of professional employment/ self employment
• Whether the applicant has a reliable income source/s and evidence of this
• Future earnings - especially important if you have just started out in your career and do not have a track record of income yet (2 - 3 years)
• If you have self employed or own your own business, they may want to see 2 years' accounts for the business
• Evidence of consistent income from one to multiple income streams which can be evidenced over a period of months/years
• Status in the UK - for Foreign nationals they would want to know the type visa granted, how long you have been in the UK, time remaining on the visa and future intentions

Mortgage lenders look at professional applicants as a lower risk and therefore may offer:

• Higher income multiples when doing their affordability calculations
• High loan sizes - you want to move and now are in a position to be able to afford to buy a larger property or property is a nicer area and need a larger mortgage to do so
• High ltv (loan to value) - typically seen with first time buyers where they are getting on the property ladder and have a small deposit.
• More favourable rates/ reduced rates that available as generally available to provide a better deal for you

When looking at mortgage solutions for you, your adviser will want the following to provide you with the right advice:

• You will need to provide personal details - your mortgage adviser will arrange a call/ meeting so they can take all of your personal information and understand you as a client
• Income proof - depending on your personal circumstances this will vary and could include - payslips, tax returns, company accounts, contract of employment
• Credit report
• Proof of ID and address
• Bank statements
• Proof of deposit

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Dhavi Limited (t/a London FS), is directly authorised and regulated by the Financial Conduct Authority. Firm reference number 628993. Dhavi Limited is registered in England No. 7301914

Registered Office: 7 Bell Yard, London, WC2A 2JR. Tel: 020 8427 5057. Fax: 020 7160 5331

* Some forms of buy to let, secured loans, commercial finance, bridging finance, overseas or offshore mortgages and will writing are not regulated by the Financial Conduct Authority or Prudential Regulation Authority.

Your initial mortgage consultation is obligation free. We charge an administration fee for processing each mortgage contract and our fees only apply when you decide to proceed with an application.

For standard residential mortgage contracts the typical fee of up to 1% of the mortgage loan applies of which £500 is payable on application with the balance payable on offer .

For buy-to-let mortgages a typical fee of up to 1% of the mortgage loan applies of which £500 is payable on application with the balance payable on offer.

For offshore and commercial mortgages a typical fee of 1% of the mortgage loan applies of which £1000 is payable on application with the balance payable on offer.

For impaired credit lending the typical fee is 1% of the mortgage loan applies of which £500 is payable on application with the balance payable on offer.

The overall cost for comparison is 5.5% APR. The actual rate will depend on your circumstances. Ask for a personalised illustration. The advice and/or guidance contained within this website is subject to UK regulatory regime and therefore is restricted to consumers based in the UK.