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Mortgages for
Professionals & Key Workers - Borrow up to 6.5 x Income

Finding the right mortgage can feel complicated, especially when your career path doesn't fit the standard mould. We provide specialist professional mortgage advice designed to recognise your true earning potential. Whether you're newly qualified, working on contracts, or are a key worker, we offer a tailored service to help you secure the property you want.

Our expert team is here to navigate the complexities on your behalf, providing clear guidance and access to lenders who understand the nuances of professional income.

How We Can Help You

We collaborate with lenders who specialise in providing bespoke underwriting and exclusive rates tailored to a variety of professional careers. Whether you're a medical professional, a legal expert, or working in another specialised field, these lenders understand the unique financial needs of your profession and provide tailored solutions.

If you are starting your career on a fixed-term contract, we know that many newly qualified professionals, from doctors to teachers, face the challenge of securing a mortgage, as many lenders require a track record in these types of contracts. Whilst many lenders can be hesitant, we have access to specialist lenders who understand that a contract is often a stepping stone to a permanent role or a successful contracting career. We can help you find a mortgage even with limited time on your current contract.

Speak to an Advisor

Types of Employment & Income

We specialise in helping Professionals & Key Workers secure mortgages by presenting a comprehensive view of your financial position.

The flexibility of locum work, supply teaching, or zero-hour contracts presents unique challenges when applying for a mortgage. Lenders typically require a consistent and stable earnings history, which can be harder to provide with these types of employment arrangements.

Our advisers have extensive experience in this area can help with the following areas:

  • Building a strong case based on your day rate and work history.

  • Presenting your income in the most effective way.

  • Connecting you with lenders who have a positive track record of lending to locum and contract workers with a common sense approach.

Please get in touch to arrange a meeting to discuss your situation in more detail and get an idea of how our brokers can help.

  • Locum Income can be complex — with variable hours, agency payments, and multiple contracts.

    Our team specialises in arranging mortgages for locum doctors, solicitors, and healthcare professionals by working with lenders who take a flexible approach to income assessment.

  • Bank Work offers flexibility but can make your income appear irregular to some lenders.

    Our team specialises in arranging mortgages for NHS bank staff, healthcare professionals, and key workers by partnering with lenders who recognise the stability and reliability of NHS employment — even on a zero-hours or ad-hoc basis.

  • Supply Teachers often have variable income and short-term contracts, which can make getting a mortgage feel more challenging.

    Our advisors specialise in helping teachers secure the right mortgage by working with lenders who appreciate the consistency and reliability of your profession — even when your work is flexible or term-based.

  • Flexible or “Non Guaranteed” work shouldn’t limit your ability to buy a home. Many people now work on zero-hours or variable contracts — and with the right approach, securing a mortgage is absolutely possible.

    Our expert advisors work with lenders who recognise your real earning potential, not just your contract type.

  • Income for Partners and Company Directors often looks different on paper — with dividends, profit shares, or retained earnings making up a large part of your income.

    We specialise in presenting your full financial picture clearly to lenders who appreciate business ownership and entrepreneurial success.

  • Earnings today don’t always reflect your future potential. Whether you’ve recently qualified, secured a promotion, or are moving into a higher-paying role, we work with lenders who take a forward-looking approach to affordability.

  • Many professionals earn a significant part of their income through bonuses, overtime or commission — and that this can make mortgage applications more complex.

    We work with lenders who recognise your total earning potential, not just your basic salary.

List of Professionals & Key Workers

Lender’s definitions of certain roles can vary which can dramatically change the amount you can borrow.

Speak to one of our specialist brokers today who ensure you get the best option available to you.

    • Doctors (GPs, hospital doctors, consultants)

    • Dentists

    • Pharmacists

    • Optometrists

    • Nurses and Midwives

    • Paramedics

    • Physiotherapists

    • Occupational Therapists

    • Radiographers

    • Clinical Psychologists

    • Veterinarians

    • Solicitors

    • Barristers

    • Legal Executives

    • Judges

    • Paralegals (senior)

    • Chartered Legal Consultants

    • Accountants (Chartered/Certified)

    • Actuaries

    • Financial Advisors / Planners

    • Investment Analysts

    • Bankers / Underwriters

    • Auditors

    • Management Consultants

    • Insurance Brokers / Assessors

    • Qualified Teachers (primary, secondary, FE)

    • University Lecturers / Professors

    • Headteachers / Senior Leadership

    • Teaching Assistants (for key worker criteria)

    • Educational Psychologists

    • Police Officers

    • Firefighters

    • Prison Officers

    • Border Force Officers

    • Social Workers

    • Local Authority Officers

    • Armed Forces Personnel

    • Engineers (Civil, Mechanical, Electrical, Structural, Software)

    • Architects

    • Surveyors (RICS, Quantity, Building, Land)

    • Scientists / Researchers

    • Data Analysts

    • IT Professionals / Developers

    • Dental Hygienists

    • Dietitians

    • Speech and Language Therapists

    • Operating Department Practitioners (ODPs)

    • Biomedical Scientists

    • Company Directors

    • Senior Managers / Executives

    • HR Professionals

    • Marketing / PR Managers

    • Project Managers

    • Operations Managers

    • Newly Qualified Doctors, Teachers, Solicitors, or Accountants

    • Trainee / Junior Professionals (with confirmed future contracts)

    • Graduate Scheme Employees (for lenders who accept future income)

    • Pilots / Air Traffic Controllers

    • Maritime Officers / Engineers

    • Clergy / Religious Leaders

    • Registered Childcare Professionals

    • Chartered Surveyors / Planners

Your Bespoke Mortgage Journey Starts Here

Navigating the mortgage market doesn't have to be a struggle. With our specialist support, you can move forward with confidence.

We offer transparent, tailored advice to help you secure a competitive and appropriate mortgage for your circumstances.

Speak to an Advisor Today