Mortgages for Professional Clients
Tailored solutions for high-calibre professionals with complex incomes.
Our Bespoke Residential product range is designed to support professional clients whose income or employment status may not fit standard lending criteria. Whether they’re newly self employed, recently promoted to partner, or working in a field with variable income, our flexible underwriting approach helps unlock mortgage opportunities for high-earning professionals.
Who qualifies as a ‘professional'?
We define professionals as individuals in regulated or specialist fields, including but not limited to:
- Equity Partners (typically Solicitors & Accountants)
- Doctors (GPs) who have recently become partners in a practice
- Dentists who have recently transitioned to self employment
- Barristers, including newly qualified professionals
- Other senior professionals with complex or non-standard income.
Criteria at a glance:
| Professional Type | Income Assessment | Evidence Required |
|---|---|---|
| Barristers | Latest 2 years’ income + future scheduled earnings | Chambers Income Validation Certificate, 1 month personal bank statement |
| Newly qualified Barristers | Combined pupillage + self employed income (if within last 12 months) | Chambers Income Validation Certificate, 1 month personal bank statement |
| Dentists (<2 years self employed) |
Based on time self employed:
|
Invoices, SA302s, Tax Year Overviews, business bank statements |
| Equity Partners | Treated as self employed. Use SA302s or firm confirmation | 2 years’ SA302s + Tax Year Overviews, or firm letter + P60, 1 month personal bank statement |
| GPs (New Partners) | Considered under self employed criteria | Similar to Equity Partners |
For more detailed guidance on income assessments, please refer to the income section of our Residential lending criteria.
Why choose our Bespoke range?
Our Bespoke underwriting team takes a common-sense approach to complex income, allowing us to:
- Consider future scheduled income (where appropriate)
- Accept alternative income verification (e.g. Chambers certificates, firm letters)
- Assess recently self employed professionals with less than 2 years' accounts
- Use latest year’s income in isolation where justified
- Support high LTV lending (up to 90%) for strong profiles.
Case studies:
See how we’ve supported professional clients with complex income profiles to secure the mortgage they needed - thanks to the flexibility of our Bespoke range.
Bespoke Residential case studies
- The applicant held a senior position in a large bank and was paid a large salary as well as bonuses. The size of loan they wanted wouldn’t have been possible using our standard loan terms.
- We were happy to include the average of 100% of their bonuses for the previous two years as part of the total assessable income, even though the bonuses varied each year. This was due to the applicant’s track record of bonuses at a similar level in previous years.
- The applicant had been an employee of a limited liability partnership (LLP) for a number of years and around 18 months ago became a self employed partner in the firm. The LLP was well established and profitable. On standard terms the applicant would need three years’ accounts to assess in order to apply.
- When reviewing the case we agreed to include the applicant’s profit share for our assessment as we received confirmation from the finance director of the previous and expected earnings along with a P60 to evidence the level of earnings before becoming an equity partner.
- The applicant had qualified as a Barrister six months ago and had self employed and pupillage income.
- We were able to use the certificate from Chambers to confirm income earnt along with anticipated future earnings, and therefore, used the latest year’s profit figure in isolation for our income assessment.
- Sole applicant had been a self employed dentist for nine months. They were previously employed whilst completing their training. They had no dependents and no commitments.
- The applicant was purchasing a flat with a gifted deposit from parents overseas.
- As the applicant could provide remittance slips for the last nine months showing an upward trend, we were able to average and annualise the income and lend the loan required.
Next steps?
Explore our full Residential Lending Criteria
Check your client's suitability for a Bespoke mortgage
Search our Residential Bespoke products
See current rates from our Bespoke range
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