Mortgages for Professionals

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High Street Mortgages

Mortgages For Professionals with complex incomes through the main high street lenders

High street lenders typically provide more appealing rates, making them the preferred choice for many professionals seeking mortgage solutions. However, navigating the complexities of professional incomes can present challenges in securing loans from these lenders.

Professionals often assume they must seek alternative lenders due to the intricacies of their income streams. Yet, armed with a deep understanding of various payment structures, we confidently facilitate successful mortgage applications with high street lenders.

In fact, a substantial 93.4% of our mortgage applications are seamlessly processed through reputable high street lenders, showcasing our expertise in navigating complex income scenarios.

Our mortgages for professionals are new mortgages that have been launched to allow people in certain careers, receive better rates. If you are fully qualified within our list of professionals, you could be eligible for one of our professional mortgages. These include:

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When it comes to applying for one of our professional mortgages, you could have access to a loan of up to five and a half times your salary as well as a 90% loan to value ratio! Some other benefits that we can offer you include:

  • Lower Repayment Rates

  • Future earnings and pay progression are considered

  • Lower deposit and higher loan to value ratio

  • Accommodating to bonus income

  • Flexible repayment options

Professional mortgages work in the same format as any standard mortgage, just with added benefits. Our mortgages for professionals will provide individuals with a repayment period of up to forty years. This differs from the normal 25-35-year repayment period of standard mortgages. However, obtaining this benefit is dependent on your base salary.

We can provide flexibility for professionals by offering a mortgage that works for you. Our commercial mortgage brokers can help you acquire one of the following:

  • Repayment Mortgage- This is the most popular option and closely resembles a traditional mortgage. Clients are required to pay off the interest and the capital of the property over the course of the mortgage, ensuring that the applicant is completely mortgage-free when their term has ended.

  • Interest Only Mortgage- This method requires customers to pay back the standard interest only. After the term has ended, it is essential for clients to pay back the mortgage in full. This is beneficial for low monthly rates however, due to combined interest rates and full payments, using this method can result in increased payback.

  • Part Interest and Part Mortgage- Customers are required to pay monthly interest rates as well as some of the capital. If clients are looking for lower monthly repayments, this option can be quite beneficial. However, you will still have to pay back outstanding mortgage balances at the end of their term.

Ranging from £50,000 to £10 million, our professional mortgage loans depend on several factors. These include:

  • Your income

  • The property value you are looking to buy

  • Your credit rating

  • Any current debt

Individuals can usually borrow up to 90% of the property value and possibly up to 75% for an interest-only mortgage. If you apply for a professional mortgage, you may receive lower interest rates. However, this is dependent on the following:

  • Your expected borrowing amount

  • The duration you wish to pay off your mortgage

  • Your loan to value ratio

  • Your credit history

  • Your mortgage type

  • Any current debt

  • The current standard interest rate for a mortgage from the Bank of England

If you are a professional looking to buy your first home, do not hesitate to contact Davidson Deem today! We are the specialists that can help you understand everything there is to know about our mortgages for professionals. To find out more, contact our commercial mortgage brokers on 01202 884111 now.