This area of our site is dedicated to mortgages for qualified professionals and business owners. This includes mortgages for: [one_half]\r\n<h3>Medical professionals<\/h3>\r\n<ul>\r\n \t<li><a title="Mortgages for doctors" href="\/mortgages-for-professionals\/mortgages-for-doctors\/">Doctors<\/a><\/li>\r\n \t<li>Dentists<\/li>\r\n \t<li>Vets<\/li>\r\n \t<li>Pharmacists<\/li>\r\n \t<li>Optometrists<\/li>\r\n \t<li>Nurses<\/li>\r\n<\/ul>\r\n[\/one_half] [one_half_last]\r\n<h3><a title="Mortgages for key workers" href="\/mortgages-for-professionals\/mortgages-for-key-workers\/">Key workers<\/a><\/h3>\r\n<ul>\r\n \t<li><a title="Mortgages for teachers" href="\/mortgages-for-professionals\/mortgages-for-teachers\/">Teachers<\/a><\/li>\r\n \t<li><a href="https:\/\/www.onlinemortgageadvisor.co.uk\/mortgages-for-professionals\/mortgages-for-social-workers\/">Social workers<\/a><\/li>\r\n \t<li>Civil servants<\/li>\r\n \t<li>Police<\/li>\r\n \t<li>Firemen<\/li>\r\n \t<li><a href="https:\/\/www.onlinemortgageadvisor.co.uk\/mortgages-for-professionals\/mortgages-for-soldiers\/">Military<\/a><\/li>\r\n<\/ul>\r\n[\/one_half_last] [one_half]\r\n<h3>Other professionals<\/h3>\r\n<ul>\r\n \t<li>Accountants<\/li>\r\n \t<li>Architects<\/li>\r\n \t<li>Solicitors<\/li>\r\n \t<li>Barristers<\/li>\r\n \t<li>Surveyors<\/li>\r\n \t<li><a title="Mortgages for graduates" href="\/mortgages-for-professionals\/mortgages-for-graduates\/">Graduates<\/a><\/li>\r\n<\/ul>\r\n[\/one_half] [one_half_last]\r\n<h3>High earners<\/h3>\r\n<ul>\r\n \t<li>Earning \u00a375k+<\/li>\r\n \t<li>Earning \u00a3100k+<\/li>\r\n \t<li>Earning \u00a3300k+<\/li>\r\n \t<li>Business executives<\/li>\r\n \t<li>Investment bankers<\/li>\r\n \t<li>Asset rich<\/li>\r\n<\/ul>\r\n[\/one_half_last]\r\n\r\n \r\n<h2>What are the advantages of a professional mortgage?<\/h2>\r\nMany of our customers ask if exclusive mortgage products for professionals exist, specifically offering reduced rates, fees, and processing time - so we have compiled further info to answer any questions our visitors and future customers may have. Either click on your desired profession for more specific advice, or to get a mortgage quotation that suits you personally make a quick enquiry or give us a call today on 0808 189 2301. Many lenders offer qualifying applicants a better deal if they work in certain professions because they are often viewed as lower risk. Their qualifications, predictable career progression, and reliable income make them a much safer bet statistically than other applicants, and as such some lenders choose to offer better deals to attract more of these types of borrower. Some lenders offer a completely separate exclusive product range, while others provide discount or an enhanced level of discretion on underwriting (if it\u2019s a unique case that gets declined initially). If you have just started a new job, are about to start a new job or want to get a mortgage based on an expected or recent promotion please see our <a href="\/income-types\/getting-a-mortgage-with-a-new-job\/">new job mortgages page<\/a>. The main benefits include: [box type="shadow" ]<strong>Better rates & Lower fee's state.<\/strong> Often a reduction in their standard rates by a set percentage, where a mainstream applicant would pay a % rate, a professional would qualify for a reduced % rate, or a product fee reduction.[\/box] [box type="shadow" ]<strong>Less Deposit. <\/strong>Certain lenders only allow professional borrowers 90% mortgages, where the rest of the population may require 15% deposit for a max loan of 85%.[\/box] [box type="shadow" ]<strong>Enhanced Income Multiples.<\/strong> This is one of the more exercised and sought after benefits offered to professionals who are looking to borrow a lot compared to their current level of income. Typically, the maximum a standard borrower could obtain is 5x salary in today\u2019s market, but professional lenders often allow an increased loan amount for borrowers on higher incomes, typically starting at min \u00a350k, with the highest discretion for those earning \u00a3100k+.[\/box] [box type="shadow" ]<strong>Enhanced Overpayment Facility.<\/strong> Often, professionals on higher incomes are more likely to have excess disposable income or come into larger sums through bonuses or maturing investments throughout the life of the mortgage. They may therefore want the flexibility to overpay on their mortgage as and when without penalty. A great added benefit with some professional mortgages is an increase in the standard 10% allowance per year, up to 20%. Some professional mortgages even offer an unlimited allowance.[\/box] [box type="shadow" ]<strong>Borrow Back.\u00a0<\/strong>Like with the added flexibility of over-payments, often professional borrowers tend to be more likely to come across investments or make larger expenditures when opportunities arise. Therefore certain products allow customers the facility to borrow up to certain defined limits, at any time. Some allow you to take back only the capital payments you\u2019ve made to date, some allow you to apply for additional funds without the full formal application process, while others facilitate the instant withdrawal of cash up to a pre-defined limit, straight into your bank account using your online banking.[\/box] [box type="shadow" ]<strong>Repayment Holidays.<\/strong> Prefer not to pay the mortgage for a while? Many professional mortgages provide the facility to miss payments (if you let them know of course!), so long as you have made a certain amount to date.[\/box] [box type="shadow" ]<strong>Self-employed professionals.<\/strong> Only recently gone self-employed? You may have had trouble finding a mortgage. The good news is that lenders exist that offer mortgages to professionals with just 1 year\u2019s accounts, even if you\u2019ve had some adverse credit![\/box] [box type="shadow" ]<strong>Red carpet treatment: Personal Service.<\/strong> Like with many of the private banking sector, high value mortgages and customers of significant income and asset value can benefit from an enhanced personal service with many lenders, ensuring a smooth and efficient mortgage set up process.[\/box]\r\n\r\n \r\n<h2>Which lenders favour professionals?<\/h2>\r\nThere are a number of exclusive lenders you may or may not have heard of, along with several high street banks, that offer professional mortgage exclusives. The good news is that a broker can search through the whole of the market for you to find you the best deals.