UK’s Leading Mortgage Broker for Professionals – Fox Davidson
Fox Davidson is a premier mortgage broker for professionals in the UK, securing tailored mortgages for professionals since 2013. With over £100 million arranged for doctors, lawyers, accountants, and other high earners, we understand the unique financial challenges professionals face—irregular incomes, student debt, or short-term contracts. In a UK property market with 4.3% annual price growth and average house prices at £290,000 (Land Registry, 2024), our independent brokers access 100+ specialist lenders to deliver high loan-to-value (LTV) mortgages and competitive rates. Whether you’re a doctor buying in Bristol, a lawyer in London, or an engineer in Manchester, we ensure solutions tailored to your career.
Why choose Fox Davidson as your professional mortgage broker in the UK?
- Up to 95% LTV and 5–6x income multiples for high earners.
- Rates from across the market
- Expertise in bonuses, locum income, and private contracts.
- Free initial consultation with an experienced team of brokers
- Rapid decisions, often within 24–48 hours.
📞 Call for immediate expert advice.
📧 Email with an outline of your requirements
Why Professionals Need Specialist Mortgages
High-earning professionals, such as doctors, lawyers, accountants, and engineers, often earn £80k–£200k annually (ONS, 2024) but face mortgage hurdles due to complex income structures (e.g. bonuses, contracts) or high debt-to-income ratios. With 19% of UK households renting privately (ONS, 2024), many professionals seek to buy homes or invest in buy-to-let properties for wealth-building.
Key highlights:
- High Borrowing Power: Loans up to £1.5m for a £250k salary (6x income).
- Flexible Underwriting: Accounts for bonuses, locum work, or private practice income.
- Property Growth: UK homes appreciate 4.3% annually, ideal for investment.
- Hotspots: London, Bristol, and Manchester offer strong resale and rental potential (5.7% yields).
A mortgage for professionals unlocks these opportunities, but high street banks often impose strict criteria. Fox Davidson’s expertise ensures you secure the best deal for your situation, whether for a home or investment property.
What is a Mortgage for Professionals?
A mortgage for professionals is a specialised residential loan tailored to high-earning professionals, offering higher LTVs (up to 95%) and generous income multiples (5–6x) due to stable career paths. Lenders recognise professionals’ earning potential, even with student debt or irregular income (e.g. bonuses, contracts). As expert professional mortgage brokers in the UK, we source deals from high-street banks, private banks, and specialist lenders, ensuring approvals for properties in London, Bristol, Manchester, or beyond. Key benefits of mortgages for professionals in the UK:
- Buy with 5% deposits (£14.5k for a £290k home).
- Access loans up to 6x income (e.g. £1.2m on £200k salary).
- Flexible terms for bonuses, locum income, or private contracts.
- Support for buy-to-let investments with 5.7–12% yields—see our buy to let mortgages page.
How to Get a Mortgage for Professionals with Fox Davidson. Our streamlined process simplifies financing for professionals.
- Free Consultation
Discuss your goals, from a London flat to a Bristol family home or a buy-to-let investment.
- Income and Affordability Assessment
Review salary, bonuses, contracts, and credit to match lenders.
- Specialist Lender Matching
Source from 100+ lenders, securing decisions in principle within 24–48 hours.
- Application and Approval
Manage paperwork, valuations, and lender negotiations for 4–8 week completions.
Typical requirements:
Good credit (minor issues often accepted for high earners).
Deposit: 5–20% (£14.5k–£58k for £290k properties).
Income: £50k+ (including bonuses, extras).
Mortgage Options for Professionals in the UK
We offer tailored solutions for professionals:
- Residential Mortgages: Up to 95% LTV for homes across the UK.
- Buy-to-Let Mortgages: Up to 80% LTV for investment property, see our buy to let mortgages.
- Interest-Only Mortgages: Reduce payments for cashflow flexibility, ideal for high earners.
- Private Bank Mortgages: High-value loans (£1m+) for consultants or partners. More info.
- Specialised Professions: Tailored solutions for doctors or footballers—see our mortgages for doctors or mortgages for professional footballers.
Success Stories: Mortgages for Professionals Across the UK
- Bristol Doctor: Secured a £400k mortgage, 95% LTV, for a family home (completed in 5 weeks).
- London Lawyer: Funded a £1.1M flat, 6x income, with bonus income included (April 2025).
- Cardiff Accountant: Arranged a £300k buy-to-let portfolio, 80% LTV, yielding 7%.
Why Choose Fox Davidson as Your Professional Mortgage Broker?
- Professional Expertise: 20+ years handling complex incomes (bonuses, contracts).
- Lender Relationships: 100+ partners, including high street and private banks.
- Proven Track Record: £100m+ secured since 2013 for professionals.
- Award-Winning Service: FCA-regulated, 5-star reviews for personalised quality advice.
- Free Consultations: Transparent process with same-day responses.
Frequently Asked Questions (FAQs) on Mortgages for Professionals in the UK
Typically 5–20% (£14.5k–£58k for £290k properties), with 5% possible via specialist lenders.
Doctors, lawyers, accountants, engineers, and other high earners with stable careers.
Up to 5–6x income (e.g., £1.2m on £200k salary), including bonuses and contracts.
Yes, student debts are treated as a loan and factored into lenders affordability calculaitons.
Market leading rates, depending on LTV and income profile.
Yes, up to 80% LTV based on rental income—see our buy to let mortgages.
4–8 weeks, with decisions in principle within 24–48 hours for urgent deals.
Yes, with proof of income (e.g. SA302s, contracts) and our expert guidance.
Secure Your Mortgage for Professionals in the UK Today
Ready to buy your dream home or investment property? Fox Davidson’s mortgage brokers for professionals deliver tailored, high-LTV solutions for doctors, lawyers, and more across the UK. We work with professionals to secure funding on residential & commercial property in the UK. We can work by phone, email and video call. We have London & South West offices at which we can meet clients. Submit an enquiry and one of the team will get back to you.
A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
