Professional Mortgages

Certain professions come with stable career paths and earning potential—qualities some lenders reward with more flexible mortgage terms. Professional mortgages are tailored for qualified individuals such as doctors, solicitors, accountants, engineers, and other recognised professionals. At WIS Mortgages, we help you access these specialist products with no broker fees.

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Key Benefits

Higher Income Multiples:

Borrow up to 5.5× or even 6× your income with qualifying professions.

Tailored Underwriting:

Lenders may overlook short employment history, training contracts, or complex income structures.

Fast-Track Approval:

Certain professions are seen as lower risk, allowing quicker and more flexible assessments.

Newly Qualified Welcome:

Recent graduates in medicine, law, and other sectors may access favourable terms.

No Broker Fees:

We offer professional mortgage services at no cost, helping you secure competitive deals across the market.

Eligibility Criteria and Requirements.

Who Can Apply?

You may qualify if you:

Work in a recognised professional field (e.g. medical, legal, finance, engineering, architecture, teaching)
Hold a professional qualification or registration (e.g. GMC, SRA, ACCA, RIBA)
Are employed, self-employed, or newly qualified with a contract of employment
Have a good credit history

What are the Requirements?

Proof of professional registration or certification
Employment contract or payslips (or self-employed accounts)
Bank statements (typically 3–6 months)
Photo ID and proof of address
Proof of deposit

Please note: Meeting these criteria does not guarantee mortgage approval. All applications are subject to underwriting and affordability checks by the lender.

Instant Mortgage Quoting

Use the quick and simple quotation system to get a mortgage quote in seconds.

How the Application Process Work?

Applying for a mortgage through our service is straightforward

Book an Appointment

Book an appointment with one of our advisers to discuss your mortgage requirements. Be transparent about your situation so we make the whole journey much smoother for you.

Download MortgagX app

Download MortgagX app, fill in a few key details, select the recommended mortgage product, upload your documents and relax till we get your mortgage sorted.

Completion

Enter your new dream home!

Apply Now

Processing times vary depending on lender efficiency and individual case complexity.

Important Information And Regulatory Disclosure

Risk Warning

Your property may be repossessed if you do not keep up repayments on your mortgage.

FCA Authorisation

This service is provided by WIS Mortgages, which is authorised and regulated by the Financial Conduct Authority.

Fee & Commission Disclosure

We act as a mortgage intermediary and may receive commission from lenders. A fee may be payable for mortgage advice, which will be disclosed clearly in advance.

Adviser Disclosure

This content is for informational purposes and does not constitute personalised financial advice. Mortgage advice will be provided after assessing your individual circumstances.

Frequently Asked Questions

Find answers to some of the most common questions about mortgages, applications, and our services.

A professional mortgage is tailored to individuals in specific careers who are seen by lenders as lower-risk due to job stability and income potential.

Doctors, dentists, solicitors, barristers, accountants, teachers, architects, engineers, vets, pharmacists, and similar roles are typically eligible.

Yes. Many lenders will consider you if you’ve recently completed your training or started a new role, especially with a formal job offer.

In many cases, yes, membership in a recognised professional body may be required to access specialist products.

Commonly eligible roles include doctors, dentists, solicitors, architects, accountants, and vets, though this can vary by lender.

Yes. Some lenders offer enhanced borrowing limits up to 5.5× or even 6× income for qualifying professionals.

Yes. Certain lenders accept trainee doctors, solicitors, and accountants, considering future earning potential.

Sometimes. If you’re a contractor in a recognised profession, specialist underwriting may still apply, even without PAYE income.

Often, yes. Lenders may set a minimum income (e.g., £40,000–£50,000) depending on the profession and structure of your earnings.

Yes. Some lenders offer bespoke mortgage products or preferential rates exclusively for professional applicants.

Want to Talk it Through?

020 3011 1986 help@wismortgages.co.uk

We will be delighted to speak with you on the phone through our live chat feature now.

*Call us from Monday to Friday (9am to 6.30pm) and Saturday (9.30am - 3pm) We accept applications over the phone