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So ... how can we help?
Buying a financial product such as a mortgage can be the biggest decision made in our lives. It is for this reason that impartial advice is critical from qualified advisors.
What is a Professional Mortgage?
Here at Finance Advice Centre, we have access to a comprehensive range of professional mortgages available for high net worth business professionals and qualified professionals.
Professional mortgages have been designed to offer people with higher incomes more leniency with gaining a mortgage. Professionals and newly qualified professionals in fields including architecture, law, medicine, dentistry, and veterinary care could qualify for mortgages of up to 5.5 times their salary, substantially more than the standard 3-4.5 times. Some lenders are even offering up to 100% mortgages.
You could also qualify for a professional mortgage based on predicted earnings as opposed to current earnings. This means that if you have a qualification in a required field, the lender will take that into account and be willing to offer you a better mortgage based on the probability of a predicted substantial increase in income.
Our approach - and how we do it
Enquire
We love speaking with our clients. Either give us a call or fill in one of our contact forms. Remember, we love a challenge!
Discuss
One of our Advisors will then find out what you’re looking to do, discuss your options and answer any questions you may have.
Relax
Your Advisor will find the best option for you and help arrange things. You then sit back and relax while we do the rest.
Why use us?
From the information you provide to us, our experts will search the market and find the most suitable products for you. If you are happy with the product on offer, we will handle all the necessary paperwork for you, including any relevant applications, to ensure that everything runs smoothly for you.
Quick service
From just a few minutes completing some basic information, we will quickly search for suitable financial products for you.
Expert advice
We’ve helped thousands of customers secure financial products and service so you know that you are in capable hands.
Reduced stress & time saving
Choosing the right financial product is time consuming and can be stressful, so remove much of this by putting it in the hands of one of our financial experts.
Reliable service
Whatever type of financial product or service you are looking for, our service is reliable and always matched to your own personal circumstances.
Ready to assist you.
Choosing a financial product or service, such as a mortgage, remortgage, loan or insurance can be daunting and your choice is a decision you need to get right. For this reason, it is vital that you get impartial advice from competent and qualified advisors. Whether you are a first-time buyer, looking to remortgage, hoping to remortgage or even buy a property to let, needing a loan or insurance this is where our advisers excel.
Be reassured that our aim is to guarantee reliable financial advice appropriate to any individual that makes contact with us. Through our network of contacts, we have access to thousands of financial products, from mortgages to loans to insurance, so we are confident that we’ll find one to suit you.
How We Help
We are large loan specialists. Unlike some other large loan mortgage advisers and brokers, we pride ourselves on the extra special service that we offer. In particular to our exclusive clients who apply for loans above £500,000. We also provide you with a dedicated case manager who will be assigned to your case from application to completion. This is so you can be sure that we are familiar with all of your circumstances when are dealing with lenders about your mortgage.
For more information on how we can help, contact us now if you would like Finance Advice Centre’s Professional Mortgage Service to help you with your next purchase or remortgage.
Get a better deal with a professional mortgage
If you work in one of the following careers then you likely qualify for a professional mortgage:
- Law
- Accounting
- Architecture
- Medicine
- Dentistry
- Vets
- Education
- Police
- Pilots
- Civil service
- Armed forces
Lenders look more favourably on applicants in these professions as they are viewed as less likely to be a risk. There is a structured career path with job and income security. Professionals have also shown a level of responsibility and stability in reaching their chosen career – an indicator to lenders that they can be trusted with responsibility over a longer period of time. These jobs are also recognised globally, ensuring employability, and assuring lenders that their loans will be repaid.Â
If you don’t see your profession on the list but think you may be eligible for a professional mortgage, call us today to speak to an experienced professional mortgage broker about your options.
Interest Rates
A lot of professional mortgages offer better interest rates than standard lending rates because they want your business and believe you will be a good client. Some banks also offer interest only professional mortgages that allow you to pay off the interest initially, and only start paying off the loan as you earn more. This is because banks recognise that a lot of professionals work on an incremental salary scale and as they progress they will be able to put more towards their loan repayments.
It is important to remember that interest rates are not everything though, and although they are important, you may find that a professional mortgage has equivalent interest rates, but much better perks elsewhere. Depending on your phase of life, we can help you decide on the best mortgage for you.
Smaller Deposit
This might be a big deal for you if you know your income will increase but you don’t have enough just yet for the house you have your eye on. Some lenders offer professionals 95% mortgages, meaning you only need a 5% deposit, while in rarer cases you could even qualify for a 100% mortgage! This is a huge advantage if you have just started in your profession and haven’t been able to save while studying.Â
Flexibly repayment options
If you are more established in your profession but work on a freelance or self-employed basis then you could also qualify for a professional mortgage that offers flexible repayments. These are designed for people with overall high annual incomes, but erratic or unpredictable monthly earnings. GP partners, barristers in chambers, and pilots on independent contracts could all benefit from these mortgages.Â
A flexible mortgage often gives you the option of paying monthly interest-only repayments while making periodic penalty-free lump-sum repayments on the loan itself. Standard flexible options often allow for up to a 20% annual lump-sum repayment.
Repayment holidays
A lot of professionals find themselves taking extended time off work to study further or take time off to relax after several years of hard study and graft. One of the huge advantages of professional mortgages is that lenders are willing to offer repayment holidays or “agreed missed payments”. You will need to build up a good repayment record first and be able to prove you will return to work and continue payments before your lender will approve a repayment holiday though.
How we help
We are large loan specialists and unlike some other large loan mortgage advisers and brokers, we pride ourselves in the extra special service that we offer, particularly to our exclusive customers who apply for loans above ÂŁ500,000.Â
We provide you with a dedicated case manager who will be assigned to your case from application to completion and who will provide you with a professional mortgage comparison for you to access the best mortgage options. We make sure we are familiar with your circumstances so that we can liaise between you and the appropriate lenders.
Finance Advice Centre’s Professional Mortgage Service can help you with your next purchase or remortgage. For more information on how we can help, contact us now!
As a mortgage is secured against your home or property, it may be repossessed if you do not keep up the mortgage repayments.Â
This article is for information only and should not be seen as advice or a recommendation to take action.
See what our customers think ...
Emma Griffiths
I would highly recommend the mortgage advice service Alice Hale was amazing throughout she is a credit to your organisation and helped us secure our dream home
Emma Weaver
We had a long journey buying our first home together and recent pandemic events didn’t help matters. Every step of the way, our advisor Steve was supportive, positive and we had every confidence in him. He was able to arrange a good deal for us and we were able to move into our dream house this autumn.
Joanne Widdowson
I used George from the finance advice centre to get my mortgage, and he was nothing but amazing! Talked me through every step, always easy to get hold of ! And got me a brilliant product I would highly recommend him, just brilliant 5 stars from me
What a Fantastic Service from start to finish. Great customer support from Ben Patten & Joe Frayne, superb product knowledge and exceptionally responsive to emails/calls, we can 100% recommend the Finance Advice Centre Ltd , they got us a great deal on a mortgage with suited life insurance, especially during this very difficult Covid 19 time ……
From start to finish, Greig and Emily were very helpful with our mortgage application. The advice Greig gave us was very clear and informed. They were always available either by phone or email to answer any questions we had. The whole process was made a lot easier because of the work they did. Would thoroughly recommend
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