By Profession Mortgages.

A handful of lenders set aside better mortgage terms for people in certain careers: doctors, dentists, solicitors, barristers, accountants and other qualified professionals. The reasoning is that these careers usually come with rising incomes and very low unemployment, so a lender sees a dependable borrower even when someone has only just started out.

With a professional mortgage the income multiple (the figure a lender multiplies your salary by to work out the loan) is often higher, sometimes 5 to 6 times salary rather than the usual 4 to 4.5 times. Certain lenders go further and look at your expected future earnings, ask for a smaller deposit, or relax requirements they would normally apply.

At Clearview Mortgage Solutions our advisers keep track of which lenders offer the strongest terms for each profession. A newly qualified doctor, an established solicitor and a partner in an accountancy firm all need something slightly different, and we match the mortgage to your earning potential rather than just your current payslip. You can also try our [borrowing calculator](/calculators/borrow-amount) to see what a higher income multiple could mean, or read how lenders work out [how much you can borrow](/blog/how-much-can-i-borrow).