4.97 out of 5 based on 2,400+ reviews
4.97 out of 5 based on 2,400+ reviews
Lenders increasingly recognise accountants as low-risk, high-earning professionals, which means you may be eligible for preferential interest rates, higher income multiples of up to 5.5x or even 6x your salary in some cases, flexible affordability assessments, and bespoke underwriting designed to accommodate complex income structures.
Whether you are a first-time buyer, moving home, remortgaging, or looking to invest in buy-to-let property, our experienced brokers will match you with mortgage options that genuinely reward your professional status.
The key is knowing which lenders offer these products and how to present your application effectively. Many of these specialist schemes are not publicly advertised and are not accessible through a direct application to the lender. Working with Private Finance gives you access to this market and the expertise to position your profile for the most suitable outcome.
If you want to rent out spare rooms or occasionally let your home on Airbnb, we help you secure consent to let from your existing lender before you accept guests.
For landlords and investors letting an entire property on a short-term basis, we arrange holiday let mortgages structured around projected seasonal income and specialist lender criteria.
If you are purchasing or refinancing a property specifically for Airbnb use, we source Airbnb mortgage solutions for hosts, landlords, and investors with a range of short-term rental models.
For experienced landlords and operators with multiple short-term rental properties, we arrange commercial mortgage and portfolio finance solutions tailored to larger-scale Airbnb businesses.
If you are employed within a firm or working in industry, lenders will typically assess your basic salary alongside bonuses and employment benefits. As an accountant in employment, you are generally considered a low-risk borrower, which can translate into higher borrowing limits and more competitive interest rates.
If you are a self-employed accountant or a partner within a practice, your income is likely drawn from a combination of salary, dividends, and retained profits — a structure that many mainstream lenders struggle to assess accurately. At Private Finance, we work with lenders who genuinely understand the self-employed and professional market and can consider your total earning picture rather than simply your salary alone.
If you operate through your own limited company, standard affordability calculations can significantly underestimate your actual financial strength.
From your initial affordability check through to final completion, we manage the process efficiently and transparently. Whether you are purchasing your first home, remortgaging for an improved rate, or building a property investment portfolio, we will structure your mortgage strategically around your circumstances and long-term financial goals.
If your current mortgage deal is coming to an end, or you simply want to explore whether more competitive terms are available to you, remortgaging as an accountant can yield excellent results. Lenders recognise the stability and earning potential of finance professionals, and professional mortgage schemes are available to existing homeowners just as much as first-time buyers.
Remortgaging can allow you to access rates through specialist professional schemes, release equity for investment purposes or personal projects, adjust your mortgage term to better suit your career and financial planning, and consolidate existing debts into a single, more manageable structure. We will review your current mortgage, assess your options across the whole market, and guide you toward the most suitable lenders for your profile and objectives.
The Financial Conduct Authority does not regulate some aspects of buy to let and commercial mortgages.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Many accountants draw income from multiple sources — a combination of employed salary, self-employed earnings, dividends, bonuses, and retained business profits. This complexity can cause problems with lenders who rely on straightforward payslip assessments and are not equipped to evaluate a more nuanced income picture.
Our brokers specialise in presenting complex income structures clearly to the well placed to understand them.
We can help you structure your income presentation to maximise affordability, work to see that dividend and bonus income is properly recognised, identify lenders experienced in partnership and self-employment income, and advise on how limited company draws and retained profits can be factored into your application. Turning a complicated income profile into a successful mortgage application is exactly what we do.
Our clients value the confidence that comes from working with a broker who understands the full spectrum of high-net-worth financial, commercial, and protection needs.
Yes. If you are contracting through an umbrella company or your own limited company, lenders who specialise in contractor mortgages can assess your affordability based on your day rate and contract terms rather than simply what you pay yourself. This approach often results in a significantly higher borrowing figure.
Whatever your situation, our premier mortgage team can advise on suitable solutions. We specialise in complex and bespoke mortgage solutions to help you find competitive terms.
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