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Professional Mortgages

Welcome back to the mortgage and protection podcast, on this episode we talk to Ross Jones from Home Financial to talk about Mortgages for Professionals.

Are there specific mortgages tailored to professionals?

Some Mortgage Lenders have a product range and apply slightly different criteria to professional occupations, such as solicitors, accountants and barristers etc.

How do I know if I qualify for a Professional Mortgage?

It’s very much driven by your occupation, if you are in a professional occupation, that will generally determine whether you qualify for a professional product, but it’s very much worth asking either your broker or the actual Mortgage Lender, because different lenders put different occupations into the list that they deem to be a professional.

Do all professionals get better mortgage rates?

Certain lenders will have exclusive rates, for example, there’s a particular range that maybe will give NHS staff a preferential rate. In terms of professional occupations, mortgage products are always changing, but lenders will be a bit more favorable in terms of meeting the mortgage criteria, particularly if they are Self-Employed, which can have robust criteria for most applicants. They don’t necessarily always get a better interest rate, however.

Can I get a mortgage five times my salary?

It depends, because generally, for those in professional occupations, there will be a training period before you operate in that trade. Some lenders give you a little bit more favorable affordability to help you at the earlier stages of your career path, because they understand that that career will likely develop into a higher earning position.

Lenders will vary in their affordability criteria, but some may offer up to five times your salary.

How can Mortgage Brokers like Home Financial help Professionals?

If somebody goes directly to a bank, that bank can only offer their own products, whereas we will look at the whole situation and provide mortgage advice, based on experience in the industry.

For example, I would understand the needs of a self-employed barrister and can bring them different options in relation to different lenders.

Where the broker adds their value is in terms of taking a wider approach than whether or not you can get a mortgage. They will build a relationship with the client so that, moving forward, when your mortgage is coming up for review, the broker understands that customer’s journey a little bit more. It’s about having that personal touch, not just for professional mortgages but all mortgage applicants.

If somebody is a professional and or feels like they may come into that category, don’t be afraid to ask the question, build a relationship with the broker and you can’t go far wrong from there.

Professional Mortgages

Ross from Home Financial NW has helped me through every step of the mortgage process over the last few months, a process made much more difficult owing to the fact I am self-employed. He has expertly guided me through every stage of my application and helped me to secure a mortgage for a new house. Throughout the last few months he has provided amazing expert advice in such a friendly way, it has made the entire process super easy and stress free! I would highly recommend Ross to anyone I know.

Professional Mortgages

Can honestly not recommend Ross Jones at homes financial enough, he’s been amazing our case was far from simple without the added issues from covid. He’s worked so hard to source us the best deal and to offer the best advice and guidance he could give, nothings been too much trouble. He fully guided us though the process supported ours decisions with data advice. Ross is Polite, professional, hard working, truthful and honest. Always quick responses to email and calls and goes that extra mile. I’ve already recommended Ross to multiple friends and family. He is an absolute credit to your team, thank you so much.

Professional Mortgages

Fabulous service! This our second time using home financial and wouldn’t go anywhere else. Ross is very knowledgeable and extremely supportive through the whole process. Huge thanks for all your help 🙂

Professional Mortgages

Ross and the team at Home Financial have been brilliant, can’t recommend them enough. They went above and beyond in explaining the process and putting us at ease. 5⭐

Professional Mortgages

A fantastic company to deal with Lindsey was amazing and went out of her way to answer our questions. She made the whole process easy and hassle free! Will continue using Lindsey and this company in the future.

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