Specialist mortgage and insurance advice for Professionals
Helping you to protect your income, secure your future and buy the home you really want.
Whether it’s higher loans, lower rates or faster decisions, we have a track record of delivering results that save time, effort and money.
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Insurance and Mortgage Planning for Busy Professionals
You would think that as a qualified professional, arranging a mortgage would be quite straightforward.
Unfortunately, this isn’t always the case.
You may structure your earnings in a certain way which means you are classed as higher risk by some lenders. You may be classed as newly self employed, even though you’ve been in the same profession or even at the same place of business for some time.
This can lead to lower loan amounts, higher rates or even being declined all together. This can leave you frustrated and even at risk of losing out on your dream home.
That’s where we come in.
There are certain professions where some lenders adopt a common favourable approach. These include –
- Accountants
- Wealth Managers
- Solicitors
- Doctors
- Dentists
Whether it’s trading period, track record or needing to borrow more, we have access to lenders from across the market and the specialist knowledge to get the mortgage you need.
But we don’t stop there.
Job security probably might not be a concern, but what would happen if you were unable to work due to long term sickness?
We have access to insurance companies from across the market as well as specialist providers which means that you can be more financially resilient and able to cope with whatever life throws at you.
Resources For Professionals
Company Director Mortgage using Profit vs Dividends
Company Director Mortgage using Profit vs Dividends For prudent Company Directors, being as tax efficient as possible is usually a priority. It's common for Company Owners to take a small salary and dividend as income and leave excess profit in the business. However,...
Company Director Mortgage for a Dentist
Case Study - Company Director Mortgage for a Dentist Arranging a Limited Company Director mortgage for a Dentist can be a challenge. Company Owners who need a mortgage often approach us after being unsuccessful elsewhere. For example, Anil and his wife jointly owned a...
What is Business Protection
What is Business Protection? According to the latest State of the Nation Report from Legal and General, a major challenge with Business Protection is that many people don’t really understand it. For example, many have heard of ‘Key Person Cover’, but don’t really know...
What is a Professional Mortgage?
Most working people would consider themselves professional. However, when it comes to mortgages, the term 'Professional' has a different meaning. So, what is a professional mortgage and how does it work? What is a Professional Mortgage? A "professional mortgage" isn't...
Limited Company Director Mortgage
An Introduction to Limited Company Director Mortgages Arranging a Limited Company Director mortgage can be a challenge. When company owners try to balance taking the income they need with being as tax efficient as possible, this can create restrictions when applying...
Introduction to Executive Income Protection
The latest L&G State of the Nation Report suggests that many Business Owners may not have heard of Executive Income Protection. Given the value it can offer to Small Businesses and Limited Company Owners, here’s a simple introduction to Executive Income Protection...
How can I determine if I’m eligible for a professional mortgage?
Each lender establishes its own parameters defining who qualifies as professionals or key workers. Additionally, they may specify the necessary qualifications for each profession. Criteria can differ significantly from one lender to another, so it's essential to...
What’s the best way to protect my income as a Professional?
There are many specialist commercial insurance options available for each industry. While these policies are very important, some may not cover the biggest financial threat to your income - being unable to work due to long term sickness or critical illness. It’s...
Can I get a Professional Mortgage with less than one year’s accounts?
This is potentially possible, but will depend on a number of factors. Your industry, professional, qualifications and experience are all key points that lenders will consider when assessing your application. However, if your profession fits within an acceptable...