MORTGAGES
PROFESSIONAL MORTGAGES
- You'll experience an unrivalled customer service
- We offer a comprehensive range of products from across the market but not deals that you can only obtain by going direct to a lender.
- You can contact us 24/7, we're always available to help
Your home may be repossessed if you do not keep up repayments on your mortgage.
What exactly is a professional mortgage?
As the name suggests, it’s just a mortgage designed for professional people. It works in the same way as a normal mortgage, the main difference is that it’s for qualified professionals, including vets, doctors and solicitors. There are some really good lenders that actually offer professional mortgages to high earners, whether they’re professional or not, as well.
The biggest difference between this and other mortgages really is the interest rate, which will sometimes be lower interest rates because you’re a professional. Sometimes lenders will also offer a higher Loan to Value. A Loan to Value is basically the amount you’re borrowing against the value of the house.
The main difference between a professional mortgage and a standard mortgage, however, is what’s called an income multiple. Generally at the moment in the UK, you can borrow around four and a half times your income, but with a professional mortgage that can be increased to five and a half times your income. Essentially it means that you may be able to borrow a significant amount more for your mortgage because of the job that you do.
Can I get a mortgage five times my salary?
Some lenders actually offer up to five and a half times your income. The really good thing about this product, is that if only one of the two people applying for a professional mortgage is a professional, then you’ll still qualify for a professional mortgage, meaning that the five and a half times will apply to your joint income.
How do I get a professional mortgage?
Whether you’re going for a normal mortgage or a professional mortgage, it’s important to speak to a mortgage broker, as we do all the research for you. All mortgage lenders have different criteria in relation to what they consider to be a professional. For example, some lenders now consider commissioned military officers, civil servants or even some high ranking police officers, so you’re always better to go to someone that knows these kinds of things, as it will improve your experience of buying a home.
We have a massive range of lenders that we can go to, and once we know your job and your income, we can do everything else on your behalf.
Even if you’re not a fully qualified professional, sometimes you can get those rates on income alone. So, for example, one bank will give professional rates to anyone that earns over £100,000 or any couple that earns more than £150,000 jointly, whether they’re a professional or not.
Do all professions get better mortgages?
It just depends on that profession and there’s also two options. So for example, if you’re a professional, sometimes you’ll get a higher income multiple but that comes with a slightly higher interest rate. What we do as a broker is to look at the standard rates of mortgage deals on the market and the professional rates, and then explain the pros and cons of each.
Some professionals will not be too interested in the interest rate, and are more concerned with buying a larger house, especially if they expect their income to rise, so it really does depend on what’s the most important thing to the client. It’s our job to source you the most cost effective mortgage, whether you’re a professional or not. But we wouldn’t just look at professional mortgages for professionals, because sometimes that’s not the best option overall.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Some Buy-To-Let Mortgages are not regulated by the Financial Conduct Authority.
Happy Clients
Jyoti Bains2026-04-02I’ve known Mohit for past so many years, and in that time I’ve seen firsthand just how dedicated, honest, and knowledgeable he is, both professionally and personally. As a mortgage advisor, Mohit goes above and beyond. He takes the time to really understand your situation, explains everything clearly (no jargon or pressure), and make what can feel like a stressful process so much smoother and more manageable. What really stands out is his integrity, you genuinely feel he has your best interests at heart. It’s rare to find someone who combines expertise with such a personal touch. Whether you’re a first-time buyer or remortgaging, you’re in very safe hands. Highly recommend to anyone looking for trustworthy, reliable mortgage advice!
Dripesh Chauhan2026-03-26I would like to thank you Mortgage Matchmakers in helping out the mortgage for our second home. Specially I would like to thank you Bhavna for her dedication and professionalism during the process. I will highly recommend Bhavna of Mortgage Matchmakers Limited for anyone looking for a mortgage. Dripesh & Reena
Jaya Bhardwaj2026-03-17Our experience with Bhavna from mortgage matchmakers has been absolutely fantastic. We have been using her for a while now to get mortgages on several of our properties, including buy to let properties purchased through our limited company and she has always managed to find fantastic deals for us. What particularly stands out is her communication, prompt responses to any queries and her efficiency. Even after the mortgage is approved, she constantly keeps looking to see if any better deals arrive on the market and lets you know if this is the case. She manages everything for you and we have never had any issues with any of the mortgage deals she has sorted for us. Doing business with her is a great pleasure and I would highly recommend Bhavna at Mortgage matchmakers for all of your mortgage needs.
Avanish Tantry2026-03-17I have used Mortgage Matchmakers for several mortgages now and am very happy with their service. Bhavna Grover, who has been our mortgage advisor, is excellent and I can’t recommend her enough. She is professional, very hard working, extremely prompt with her responses and gets things done in super quick time. She has always managed to find really competitive deals for me, including limited company but to let mortgages, and keeps looking out for better deals right till the end. I couldn’t ask for anything more and she completely takes the stress and hassle out of obtaining mortgages. If you are looking for a mortgage advisor and company, look no further than Bhavna and Mortgage Matchmakers.
Richard Smith2026-03-11Mohit was very professional and clearly has a good knowledge of the mortgage market. He was able to secure us a rate ahead of the increase that came in 8 hours later! Would highly recommend for all mortgage related enquiries.
Michael Wheller2026-03-04Excellent service and useful advice all the way through the process of setting up the new mortgage.
Julianaa Raghu2026-02-18I had an exceptional experience working with Mohit Mehra. As a first-time buyer, I was nervous about the process, but Mohit made everything feel straightforward and stress-free. He was incredibly responsive, patient and always answering my questions quickly and explaining complex terms in plain language. The communication was exceptional. I felt they truly had my best interests at heart and went above and beyond to ensure a smooth closing. I highly recommend their services to anyone looking for a reliable and professional mortgage broker!
Hameed Wahedi2026-02-01I was dealing with Ankur for my remortgage and I am highly recommend him to anyone looking to buy or remortgage their property. Thanks
Sope Famo2025-11-21Mohit from Mortgage Matchmakers was a pleasure to work with, making the process as simple as it could have ever been and was always on call to answer any questions. He was super helpful and impressively quick, which is rare when it comes to securing a property/mortgage. Thanks to Mohit we've had our mortgage approved and can move on to the next steps. I would highly recommend Mohit due to reliability and speed along but also his friendliness! Thanks a lot Mohit!!
Angela Kibia2025-11-20We had an excellent experience working with Mohit Mehra at Mortgage Matchmakers. From the beginning he was professional and very supportive. He made the whole process smooth as his communication was amazing. He was always quick to respond and provided updates. Thanks to Mohit we received a successful mortgage offer! We highly recommend Mohit to anyone looking for a reliable mortgage broker.