Specialist

Barrister Mortgage Service

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Barrister Mortgage

Clifton private finance

We have expertise in sourcing mortgage finance for barristers on residential & investment property transactions in the UK

For barristers and legal professionals we work with select high street and private banks that will look at your requirement on a bespoke basis.
Dedicated & Flexible Service
We can offer you options providing:
  • Bespoke lending solutions from £250,000
  • Large mortgage loans up to 95% LTV (Loan to value)
  • Uncomplicated approach to income & wealth
  • Interest only options 
  • Mortgages for residential and investment properties
  • Options for short term finance (bridging), buy to let, commercial and development
  • Mortgage solutions for complex income arrangements
  • Solutions for HNW individuals
  • Offshore solutions for UK expats, non domiciled UK residents, UK residents earning in a foreign currency and foreign nationals
  • Independent service & expert advice

2 Year Tracker

Up To £5m

4.94% APR

2 Year Tracker

Subsequent rate 6.99%

LTV - 60%

APRC 8.4%*

Product Fee £999

Free standard valuation

Early redemption charges

As of 10th January 2024

5 Year Fixed

Up To £1.5m

3.89% APR

5 Year Fixed (Remortgage)

Subsequent rate 6.25%

LTV - 60%

APRC 6.1%*

Product Fee £999

Early redemption charges

As of 10th January 2024

2 Year Fixed

Up To £1.5m

4.44% APR

2 Year Fixed (Remortgage)

Subsequent rate 6.25%

LTV - 60%

APRC 6.1%*

Product Fee £999

Early redemption charges

As of 10th January 2024

Contact Us

Thank You for your interest - please complete the form below and a member of our team will be in contact.

*Overall Cost For Comparison


The large mortgage challenge:
For larger loan requirements, when it comes to mortgages over £1 million lenders will usually want to see a larger deposit.
Typically many high street lenders will cap lending at 70% to 75% LTV (loan to value) e.g. on a central London property for example priced at £5 million as a borrower you would be expected to deposit £1.25 million to progress the deal.
This can be a sticking point for clients who want to maintain cash liquidity but from an affordability perspective can easily afford to borrow at a high level.
The solution:
The good news is that we work with lenders that take a more bespoke approach to mortgage lending.
Bespoke lending based on a more informed approach to a client’s circumstances means we can put in place lending solutions which are tailored to a client’s needs.
For example many of our clients want to work on an interest only basis.
Typical high street lenders will often have caps on how much can be borrowed on large loans over £1 million restricting the interest only portion to anything from 50% to 75% LTV.
We work with banks that look at your full financial profile as a barrister or career legal professional which means we can often source lending solutions that are purely bespoke.
Recent case:
We were able to secure a 95% LTV mortgage on a £1.9 million property.
In this case we worked with a private bank who took a positive view on the client's future earnings prospects in the legal profession.
With just a 5% deposit the client borrowed £1.8 million with a blended rate on a 5 year fixed rate. £1 million was secured on a rate of 2.09% and the balance at 2.59%.

Latest Case Studies

Call our large mortgage loan team on 0203 900 4322 to discuss your requirements or complete our enquiry form.
Recent

Property Finance Deals

Early Remortgage for Law Firm Partner Locks in Low Rate
Early Remortgage for Law Firm Partner Locks in Low Rate
Area
Buckinghamshire
Capital Raised
£1m
Interest Only Borrowing At £1.78m For Property Improvements
Interest Only Borrowing At £1.78m For Property Improvements
Area
Reading
Capital Raised
£1.8m
UK Mortgage for British Expat Earning in Cayman Islands Dollars
UK Mortgage for British Expat Earning in Cayman Islands Dollars
Area
Sussex
Capital Raised
£300k
UK Expats Remortgage London Buy to Let Property to Fund House Purchase in Thailand
UK Expats Remortgage London Buy to Let Property to Fund House Purchase in Thailand
Area
London
Capital Raised
£350k
Switching Lenders Secures Best Rates For £1.65m Central London Property For US Law Partner
Switching Lenders Secures Best Rates For £1.65m Central London Property For US Law Partner
Area
Central London
Capital Raised
£1.2m
90% LTV Mortgage Purchase For London Based Young Professional Couple
90% LTV Mortgage Purchase For London Based Young Professional Couple
Area
London
Capital Raised
£1.4m

More Opportunities »

Barrister Mortgage Service

Specialist barrister mortgage service providing:

Our service provides expert help to self employed legal professionals who might have complex income arrangements. 

We understand some of the challenges barristers face when applying for a mortgage:


2 Year Tracker

Up To £5m

4.94% APR

2 Year Tracker

Subsequent rate 6.99%

LTV - 60%

APRC 8.4%*

Product Fee £999

Free standard valuation

Early redemption charges

As of 10th January 2024

5 Year Fixed

Up To £1.5m

3.89% APR

5 Year Fixed (Remortgage)

Subsequent rate 6.25%

LTV - 60%

APRC 6.1%*

Product Fee £999

Early redemption charges

As of 10th January 2024

2 Year Fixed

Up To £1.5m

4.44% APR

2 Year Fixed (Remortgage)

Subsequent rate 6.25%

LTV - 60%

APRC 6.1%*

Product Fee £999

Early redemption charges

As of 10th January 2024

Contact Us

Thank You for your interest - please complete the form below and a member of our team will be in contact.

*Overall Cost For Comparison


Call us today to discuss your requirements on 0203 900 4322

More information on how to get a barrister mortgage 

What Our

Clients Say

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Get in Touch

If you have any questions about our services or want to start making things happen please contact us