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
Bank of England Base Rate Cut – What It Means for Your Mortgage
Bank of England Base Rate Cut – What It Means for Your Mortgage The Headlines vs. The Reality The Bank of England recently announced a cut to the base rate. It made big news and left many homeowners wondering whether their mortgage payments would now go down. For most...
How the 18-Month Rule Works for Self-Employed Mortgages
How the 18-Month Rule Works for Self-Employed Mortgages Applying for a mortgage when you are self-employed can feel more complicated than it should. One of the most common questions we hear is: “How recent do my accounts or tax returns need to be?” This is where the...
Getting a Mortgage While Your Business Shows a Loss: A Case Study in Lender Flexibility
Getting a Mortgage While Your Business Shows a Loss: A Case Study in Lender Flexibility A limited company director was recently referred to us by one of our accountancy partners. On paper, his business had shown losses for two consecutive years. However, this wasn’t...
Mortgages with One Year’s Accounts: What Are Your Options?
Mortgages with One Year’s Accounts: What Are Your Options? Many self-employed people and company directors worry that they will not be eligible for a mortgage unless they have at least two or three years of trading history. The reality is that it can be possible to...
Let to Buy for Company Directors – How Business Owners Can Move Without Selling
Let to Buy for Company Directors - A Cost Effective Approach If you’re a company director thinking about your next move, you might assume that selling your current home is the only way to fund your onward purchase. But what if there was a smarter way to do it? A way...
Why Higher Dividends Aren’t Always the Answer: A Mortgage Case Study for Business Owners
When Income and Tax Planning Clash with Mortgage Affordability If you’re a company director or small business owner going through a major life event—like a divorce—you may already have enough on your plate without your mortgage options adding to the stress. In this...
Case Study – Sole Trader to Limited Company Mortgage
Case Study - Sole Trader to Limited Company Mortgage Second Opinion Saves the Day: From Delays to Dream Home Can you get a mortgage with just one year’s accounts? What if you've moved from being a sole trader to a limited company? If you’ve recently switched, you...
Business Protection for Small Companies
Business Protection for Small Companies Why Business Protection Isn’t Just for Big Companies When it comes to business protection, one of the most common misconceptions we hear is: “Business protection is only for large companies.” It’s easy to see why. Big firms have...
How much can I borrow as a Company Director?
How much can I borrow as a Company Director? Arranging a mortgage as a Company Director can be challenging, especially when it comes to affordability. Being a Business Owner doesn’t necessarily mean that you won’t get a mortgage. However, you may find that what you...