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The advantages offered by mortgages for accountants are the same as those of mortgages for professionals.
These mortgages are designed to cater to the unique employment in specific occupations, such as accountants.
Lenders consider the earning potential and career trajectory of accountants, offering benefits such as:
While mortgages for accountants offer significant benefits, it is always important to consider the full picture before committing to any kind of long-term financial decision. A mortgage broker can help you make an informed decision taking into account all aspects – a few of these include:
How to prove your income
As an employed accountant, you will typically need to provide copies of your latest three months’ worth of payslips. There are, however, some lenders who can lend with just an employment contract or first payslip. If you are self-employed, you will need to provide copies of one to three years SA302s and corresponding tax overviews, depending on the lender.
Finding the right lender
Not every lender offers mortgages tailored specifically for accountants or professionals. A mortgage broker can help identify these lenders and find the right mortgage for you, satisfying your individual requirements.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Private Finance is an award-winning, independent, whole-of-market mortgage broker, offering expert advice on the entire range of mortgage products available in the UK.
Here are some of the reasons that our clients trust us with their mortgage needs:
Drawing from 20 years plus of industry experience, we’ve collected the breadth of experience and expertise necessary to solve almost any mortgage problem – no matter how niche or specialist.
Our strong ties with high-street lenders, Private Banks, and specialist providers give access to exclusive rates and bespoke deals. We find some of the best mortgage deals for accountants and other professionals.
Our consultants strive to deliver the finest mortgage advice available in the market. Our average client rating of 4.97 out of 5 and happy repeat clients are a testament to our client-first approach that has been preserved over the years.
Mortgages for accountants offer benefits such as enhanced income multiples and enhanced affordability. This means you may be able to borrow more for your mortgage compared to a non-professional with a similar financial situation.
It is important to remember that the amount you can borrow will largely be based on your declared income. If you have recently set up your own accountancy firm and have a variable income, providing adequate proof of income can be challenging. A mortgage broker can help you gather all the necessary documents together and help avoid these potential hurdles.
Furthermore, certain lenders are open to considering other assets and business profits as alternative forms of income. This can be especially beneficial if you have substantial capital within your business but haven’t drawn an income recently, or if you have a low income but have substantial assets.
Researching the market alone can lead to missed opportunities and potentially less favourable terms. A mortgage broker can play a crucial role in helping accountants identify the full range of mortgage options available to them.
Not only do our consultants provide invaluable expertise, but our access to the entire range of mortgage lenders – including access to bespoke and exclusive mortgage rates – allows us to arrange expert mortgage solutions for our clients.
This access can prove especially advantageous for accountants with unique financial circumstances that align with only a select few lenders.
To start your mortgage journey, speaking with one of our expert consultants will help you understand your options in the context of your personal and financial circumstances.
Private Finance offers a free initial 30 minute consultation to discuss your needs – Enquire here or alternatively call us on 0800 980 8777.
With our online mortgage tools, find the information you need using our helpful guides, information on the best mortgage rates and handy mortgage calculators.
Yes, it is possible for accountants to receive a higher mortgage than a non-professional.
Some lenders offer enhanced mortgage affordability and higher income multiples for professionals with a strong income potential and career trajectory.
