Mortgages For Accountants

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Mortgages For Accountants

Clifton private finance

We specialize in sourcing finance for residential and commercial property transactions in the UK

For accounting professionals we work with select high street and private banks on a bespoke basis.

We can offer:
  • Bespoke lending solutions from £100,000
  • 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 e.g. onshore and offshore trusts
  • Solutions for HNW & UHNW individuals
  • Lombard lending from £1m
  • Offshore solutions for accounting professionals who are UK expats, non domiciled UK residents, UK residents earning in a foreign currency and foreign nationals
  • Independent service & expert advice
Call us on 0203 900 4322 to discuss your requirements.

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Accountant Mortgage Broker Service

Many mortgage lenders welcome applications from accountants, as you’re a member of a well-respected profession where earnings are above average and where employment prospects are stable. Having taken the time to qualify, most accountants then spend the majority of their working lives in the same profession. 

Proving your income on your application 

Employed accountants will usually prove their income to a mortgage lender in the usual way by submitting three to six months’ worth of payslips.  

 Many accountants are self-employed, however, either as sole traders or in partnerships, so this presents additional challenges around proving income when applying for a mortgage. As with any other self-employed applicant, you can expect your application to be assessed on the basis of your net profit, with the lender perhaps using the average of the last three years’ profits to take account of any periods when you may have had less work. Fluctuating earnings might be expected in the early years as you seek to establish your business, so if you’re newly self-employed, you might not be able to borrow as much. 

 Some lenders will accept applicants on the basis of just the previous year’s income, but if you want your application to be assessed on this basis, the choice of available products will be reduced. 

You will need to produce accounts or SA302 tax returns to demonstrate your net profit. Any accounts will need to be prepared by another chartered/certified accountant. 

What mortgages might be available to accountants? 

In recognition of the high earnings potential associated with the accountancy profession, you may be able to borrow a significant sum, perhaps five times your income, or even higher.  

You may be able to borrow up to 95% of the property value for a residential mortgage and up to 80% of the property value for a buy-to-let mortgage. 

Interest only and capital repayment options will be available; as will fixed, discounted, tracker and capped rate options. Some products will also offer flexible features such as payment holidays and offsetting. When your initial rate comes to an end, it is likely you will be able to re-mortgage. Assuming you have a good credit history, you are likely to be able to secure a competitive interest rate. 

These attractive options may be available to newly qualified and experienced accountants alike.  

By consulting a mortgage adviser you could have access to a number of additional products. There are a number of specialist lenders - who aren’t on the high street, and whose names might not be familiar to you – who offer ‘professional’ mortgages, which are specifically designed for accountants such as yourself and members of the other professions. 

Seek advice

A professional mortgage broker can identify the best solutions from lenders that will take into account all of your sources of income to help you secure a mortgage offer. They can help you identify how much you need to borrow and what you can reasonably afford to repay.

Many of the lenders that specialise in providing mortgages for professionals are not well-known high street names, and the only way you can obtain a mortgage with them is via an adviser.

Your adviser can then assist you once again when it’s time to consider re-mortgaging.

Specialist mortgage broker service providing:

Our broker service provides expert help for accounting and finance professionals who have complex income arrangements. This can include bonus payments, profit-sharing agreements, or income and dividends from self-employment. 
Call us on 0203 900 4322 to discuss your requirements.
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