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
Jazz Bhangu2026-07-31I found Mohit when doing a local search for mortgage advisors that were local to me. Mortgage Matchmakers popped up with nothing but 5 star reviews. When I reached out to Mohit for an initial discussion, I felt very confident that the 5 star reviews were a true reflection of his service. Mohit was always available to talk through the process, what my options were and unfortunately when my sale and purchase fell through he was very supportive and provided some great advice during what was a challenging period. I always felt like Mohit gave me numerous options and approaches I could take with my new mortgage, I never felt any pressure from him in any shape just excellent advice and guidance throughout what was a stressful period. Mohit has now become my go to guy and will be reaching out to him when my current fixed is due. I would recommend Mohit to family and friends without any doubts, 5 star service from a 5 star guy!!
Nitin Katyal2026-06-03Best in business. From the moment I contacted Bhavna Grover, I was well informed about the options available. I will highly recommend Mortgage Matchmakers.
Loredana Gheorghe2026-05-18Excellent service from start to finish.As a first time buyer, Mohit was professional, responsive, and made the whole mortgage process smooth and stress-free. He took the time to explain everything clearly and worked hard to secure the best deal for me. Highly recommended.⭐️⭐️⭐️⭐️⭐️
Mina T2026-05-15Mohit was really helpful and got me a mortgage offer within a few days! Thank you so much :)
Basavaraj SH2026-04-29I was referred to Bhavna (Mortgage advisor) by a friend, and I’m so glad I was. She has been amazing in helping me with my residential remortgage and finding the best deal suited to my circumstances. Bhavna is incredibly hardworking, responsive, and communicates everything clearly and efficiently, making the whole process stress-free. She truly goes the extra mile for her clients and supports you at every step right through to completion. She also keeps an eye on the market to make sure you secure the best possible deal before everything is finalised. I would highly recommend Bhavna to anyone looking for a reliable and dedicated mortgage advisor.
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.