Professional Mortgages Tailored for Your Career
Mortgage-Tek helps doctors, dentists, lawyers, accountants, and other professionals secure competitive mortgages quickly and confidently.
Access Leading Equity Release Lenders
Over 120 specialist lenders, including lifetime mortgage and drawdown providers
Mortgage-Tek works with a wide range of UK lenders specialising in equity release.
Our panel includes lifetime mortgage and drawdown providers, ensuring tailored solutions for your property and financial goals.
Understanding Professional Mortgages
Designed for high-earning professionals with unique income structures
A professional mortgage is specifically designed for individuals in careers with stable, high-demand professions such as doctors, dentists, lawyers, and accountants. Unlike standard mortgages, it takes into account your career progression, professional qualifications, and overall earning potential, rather than focusing solely on your current salary. This approach allows professionals to access higher borrowing limits, competitive interest rates, and flexible lending options, giving you a mortgage solution that aligns with both your lifestyle and long-term financial goals.
Professional Mortgage Options
Flexible solutions to suit your career and financial goals
Fixed-Rate Professional Mortgages

Predictable monthly payments give you financial stability and protect against interest rate changes, making it ideal for first-time buyers or those planning long-term.
Variable-Rate Professional Mortgages
Flexible repayment options with potentially lower initial rates suit borrowers comfortable with market fluctuations and wanting adaptable monthly payments.
Buy-to-Let Professional Mortgages
Designed for professional landlords, these mortgages consider rental income and provide higher borrowing potential for investment properties.
Remortgage Options
Switch your current mortgage to a professional mortgage for better rates and access tailored benefits specific to your profession.
Criteria for Securing a Professional Mortgage
What Lenders Expect From Professionals
Key factors that determine your mortgage eligibility
Income and Career Stability
Minimum 12 months in your profession. Lenders consider salary, regular bonuses, pensions, and potential career progression for borrowing potential.
Credit Profile
Strong credit history required, typically a score above 650, with no missed payments in the last 12 months. Minor issues may be acceptable.
Deposit and Affordability
Deposits usually 10–20%; some lenders accept 5% for first-time buyers. Loan-to-income ratio generally 4 – 5.5 times annual income.
Professional Qualifications and Employment Evidence
Proof of qualifications and 3–6 months of payslips, tax returns, or contracts confirm ongoing employment and career stability.
How Much Can I Borrow Calculator
Personalised borrowing estimates for professionals
Your borrowing potential depends on your income, career stability, and existing financial commitments. Lenders typically use a loan-to-income ratio of 4–5.5 times your annual salary, while also considering bonuses, pensions, and anticipated career growth. At Mortgage-Tek, we provide personalised calculations to help you understand exactly how much you can borrow, ensuring you choose a mortgage that fits both your lifestyle and long-term financial goals.
Your Estimated Borrowing Amount
Why Choose Mortgage-Tek For Professional Mortgages
Expert Mortgage Guidance for Professionals
Mortgage-Tek helps professionals access the best mortgage deals quickly and efficiently.
Our approach combines expert advice, personalised solutions, and access to a wide range of lenders.
Wide Lender Network
We provide access to over 120 UK lenders, including specialist professional mortgage providers, ensuring you find competitive rates and tailored mortgage solutions for your profession.
Tailored Professional Advice
Our team offers advice for doctors, dentists, lawyers, accountants, and engineers, helping you match mortgage products to your career, income, and long-term financial goals.
Transparent Comparisons
Compare mortgage deals, rates, and lender options all in one place, giving you full clarity and control over choosing the most competitive and suitable professional mortgage.
Support for All Buyers
We assist first-time buyers, remortgages, and professionals with complex income situations, ensuring guidance is available at every stage of your mortgage journey.
Fast Pre-Approval
Our streamlined process helps you get pre-approved quickly, reducing delays and improving your chances of securing your ideal mortgage efficiently and without unnecessary stress.
Income and Career Guidance
We provide professional advice on bonuses, pensions, and career-specific income to help maximise your borrowing potential and get the best possible mortgage deal.
FAQs
What professions qualify for a professional mortgage?
Professionals such as doctors, dentists, lawyers, accountants, architects, engineers, and other regulated careers typically qualify. Some lenders may consider other high-income or specialised professions.
How long do I need to be in my profession?
Most lenders require at least 12 months of continuous employment or contracting in your profession. Some may request evidence of career stability or anticipated income growth.
What deposit do I need for a professional mortgage?
Deposits usually range from 10–20%, though first-time buyer schemes may allow as low as 5%. The exact requirement depends on the lender and your financial profile.
Can self-employed professionals qualify?
Yes. Lenders will assess your professional income, contracts, and financial stability, often requiring 2–3 years of accounts or tax returns for self-employed applicants.
How much can I borrow as a professional?
Borrowing limits usually range from 4–5.5 times your annual income, depending on salary, bonuses, pensions, and other financial commitments. Career stability is also considered.
Can I remortgage to a professional mortgage?
Absolutely. Professionals can switch existing mortgages to access better rates, flexible terms, or higher borrowing limits, with Mortgage-Tek guiding the full process.
How long does the mortgage process take?
Pre-approval can take 2–5 days, while the full mortgage process generally takes 4–8 weeks, depending on lender requirements and document submission speed.
What documents do I need?
Standard documents include proof of identity, payslips, contracts, tax returns, professional qualifications, and bank statements. Specific requirements may vary by lender.