Professional Mortgages

A professional mortgage is a specialised mortgage product designed for individuals in specific high-earning or highly qualified professions. Lenders often offer these mortgages with preferential terms, such as higher loan-to-income multiples, lower deposit requirements, or more flexible underwriting criteria, recognizing the stable career trajectory and strong earning potential of these professionals.

Professions That Qualify for a Professional Mortgage

While eligibility criteria vary by lender, the following headline professions commonly qualify:

Medical & Healthcare

• Doctors (including junior doctors, GPs, consultants, and surgeons)
• Dentists
• Pharmacists
• Veterinarians
• Optometrists

Legal Professionals

• Solicitors
• Barristers
• Chartered Legal Executives

Finance & Accounting

• Chartered Accountants
• Actuaries
• Chartered Financial Planners

Engineering & Architecture

• Chartered Engineers
• Surveyors
• Architects

Academia & Education

• University Lecturers (some lenders may include school teachers)

Other Recognised Professions

• Chartered Scientists
• Chartered Psychologists
• Pilots (commercial airline pilots)

Some lenders may also include professionals such as teachers, police officers, and military personnel, depending on the specific mortgage product.