UK’s Leading Mortgage Broker for Accountants – Fox Davidson
Fox Davidson is a leading accountant mortgage broker in the UK, securing tailored mortgages for accountants since 2013. With millions arranged for chartered accountants, practice partners, and self-employed contractors, we excel at navigating the unique financial challenges accountants face—partnership profit shares, self-employed SA302s, or tax-driven income structures. 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 an accountant purchasing a home in Bristol or investing in a Manchester rental, we craft solutions to match your career and financial goals.
Why choose Fox Davidson as your accountant mortgage broker in the UK?
- Up to 95% LTV and 5–6x income multiples for high earners.
- Rates from 3.5% (fixed/variable, September 2025).
- Expertise in partnership draws, SA302s, and tax-efficient structures.
- Fee-free consultations with lender-paid commissions.
- Fast approvals, often within 24–48 hours.
Get in touch:
📞 Call immediate expert advice 💻 Complete our enquiry form 📧 Email outline your requirements
Why Accountants Need Specialist Mortgages
Accountants, from practice partners to freelance contractors, often earn £60k–£150k annually (ONS, 2024) but face mortgage hurdles due to complex income streams—partnership draws, variable bonuses, or self-employed earnings reported via SA302s. With 19% of UK households renting privately (ONS, 2024), many accountants seek to buy homes or invest in rental properties for financial security. Key advantages:
- Maximised Borrowing: Loans up to £900k for a £150k income (6x multiples).
- Tax Optimisation: Limited company buy-to-let options to navigate tax rules.
- Market Growth: UK properties appreciate 4.3% annually, ideal for homeownership or investment.
- Prime Locations: Bristol, London, and Manchester offer strong resale and rental yields (5.7–12%).
High street banks often struggle with accountants’ irregular incomes, but Fox Davidson’s expertise unlocks tailored mortgage solutions for your home or investment goals.
What is a Mortgage for Accountants?
A mortgage for accountants is a customised residential or buy-to-let loan designed for accountants’ unique financial profiles, offering high LTVs (up to 95%) and flexible income multiples (5–6x) due to stable career paths. Lenders value accountants’ earning potential, even with self-employed income or student debt. As expert accountant mortgage brokers in the UK, we source deals from high-street banks (e.g., Nationwide, Santander), private banks, and specialist lenders, ensuring approvals for properties in Bristol, London, Cardiff, or beyond.
Key benefits of mortgages for accountants in the UK:
- Secure homes with 5% deposits (£14.5k for a £290k property).
- Borrow up to 6x income (e.g., £900k on £150k earnings).
- Flexible underwriting for partnership draws, bonuses, or SA302s.
- Access buy-to-let options with 5.7–12% yields—see our buy to let mortgages.
How to Secure a Mortgage for Accountants with Fox Davidson. Our process streamlines funding for accountants:
- Free Financial Assessment
Discuss your goals, from a Bristol home to a Leeds rental investment.
- Affordability Assessment
Analyse income to work out best way to structure the lending proposal
- Lender Matching
Source from 100+ lenders, securing decisions in principle within 24–48 hours.
- Application and Funding
Manage paperwork, valuations, and negotiations for 4–8 week completions.
Typical requirements:
- Deposit: 5–20% (£14.5k–£58k for £290k properties).
- Income: £50k+ (including partnership income, bonuses).
- Credit: Excellent credit preferred; minor issues are often accepted.
Mortgage Options for Accountants
We provide customised solutions for accountants:
- Residential Mortgages: Up to 95% LTV for homes in the UK
- Buy-to-Let Mortgages: Up to 80% LTV for rental properties
- Self-Employed Mortgages: For contractors or partners
- Interest-Only Mortgages: Lower payments for cashflow flexibility with suitable repayment vehicle.
- High-Value Mortgages: £1m+ loans via private banks for senior partners & high earners.
For other professions, explore mortgages for professionals.
Success Stories: Mortgages for Accountants Across the UK
- Bristol Partner: Secured a £450k mortgage, 95% LTV, for a family home despite irregular partnership income
- London Contractor: Funded a £800k flat, 5x income, using day rate contract (April 2025).
Why Choose Fox Davidson as Your Accountant Mortgage Broker?
- Accountant Expertise: 20+ years fuding mortgages for professionals
- Extensive Lender Network: 100+ partners, including High street and private banks.
- Proven Results: Millions secured since 2013 for accountants.
- Trusted Service: FCA-regulated, 5-star reviews for tailored advice.
FAQs: Mortgages for Accountants
Up to 6x income e.g. £360k on £60k.
2-3 years of tax calculations or accounts. 1 year for strong profiles.
Minor issues are fine with most lenders, more recent adverse will need specialist lenders
Reduce affordability as treated as a loan commitment
Mortgage offers produced typically in 2-4 weeks; mortgage in principle in as little as a few hours
Yes, up to 85% LTV when combined with part interest only and part repayment.
Yes, with conversions (EUR/USD/AED) and currency ‘hair cut’ applied.
Secure Your Mortgage for Accountants in the UK Today.
Ready to buy your home or grow your investment portfolio? Fox Davidson’s accountant mortgage brokers deliver tailored, high-LTV solutions for accountants across the UK.
