On your own

Boost your buying budget without a loved one’s help.


Guarantor Mortgages

Boost your buying budget with the help of family or friends.


Family Remortgage

Build a house deposit using a loved one’s existing property.


Part Buy, Part Rent

Buy a share of a home and pay rent on the rest.


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On your own

Borrow up to 5.5x your income with a Professional Mortgage

Whether you're a vet, doctor, lawyer or accountant, you could borrow up to 5.5 times your salary, significantly increasing your total buying budget.

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Suitable for buyers, movers & remortgagers


Increase your budget by up to 20%


You must work in a qualifying profession

How does it work?

Professional mortgages are offered by some mortgage lenders to those who work in 'professional' lines of work, such as nurses, doctors, lawyers or accountants.

Lenders are comfortable to let these buyers borrow more as they see them as lower risk, e.g. more likely to remain in work and/or enjoy salary increases. Increasing your borrowing from the typical 4.5x income to 5.5x income can boost your budget by up to 20%.

Check my eligibility

Things to consider

All mortgages have risks and benefits. Here are some key things you should know before applying for a Professional Mortgage.


What are the benefits?

Increase your buying budget, even on a low income

With a standard mortgage, lenders typically let you borrow between 4-4.5 times your income. With a Professional Mortgage, you can borrow more, even on a low income. This is because lenders take into consideration future pay increases in your career.

Enjoy increased borrowing with a 5% deposit

If you are purchasing a pre-owned property with a Professional Mortgage, you only need to put down a 5% deposit. This can be extremely helpful for first time buyers who may only have a small house fund saved up.

Boost your budget without outside help

Many buyers turn to a guarantor for support if they can’t borrow enough. With a Professional Mortgage, you won’t need to involve any family members or friends to reach your desired budget.

Risks and considerations

You must meet the professional role criteria

To be eligible for a Professional Mortgage, you must have qualified in the last ten years, be registered with the appropriate UK professional body and work in a field related to your profession.

Poor credit could impact how much you can borrow

If you have adverse credit, depending on the severity you may have fewer lenders willing to lend to you, and be offered a smaller income multiple.

Non-professional applicants won’t qualify

If you are buying with another person who does not work in a professional role, they will only be able to borrow 4-4.5 times their salary. For example, if you are a doctor and earn £50,000, and your partner works in marketing and earns £30,000, together you could borrow up to £410,000.

Got questions? We’ve got answers

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Frequently asked questions

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The application process

Get into your very own home in 4 simple steps


Make a Tembo plan

In under 10-minutes we’ll check your eligibility for a Professional Mortgage as well as our other buying schemes. Plus you’ll get a personalised mortgage recommendation including interest rates and repayments.


Talk to an expert

Book a call with our mortgage experts to complete the qualification process. We’ll cover any questions you have about Professional Mortgages and any other schemes.


Apply for a mortgage

Once you’ve found a property, your dedicated advisor will undertake full affordability and submit a Decision in Principle with your chosen lender. Once accepted, we’ll submit a full mortgage application for you.


Make home happen

Once you’ve found a property, we’ll prepare & submit your mortgage application. We’ll liaise with the developer or seller and your solicitors to ensure a smooth purchase.

Other schemes you might like

Explore our other buying schemes to see alternative ways to get on the ladder

See all schemes

On your own

5.5x Income Mortgage

Borrow up to 5.5 times your salary to boost your buying budget.

See details

With a guarantor

Deposit Loan

Boost your deposit with help from family or friends in return for a share of your home

See details

Part buy part rent

Private Shared Ownership

Buy a share of a home, then pay rent on the rest. Over time, buy more of the home till you have full ownership

See details

Learn more

Confused about mortgages? Read our guides for expert tips on saving, buying and the market.

See all guides

Other mortgage schemes

You can be snug in your very own home in 4 simple steps

On your own

Standard Mortgage

5.5x Income

Professional Mortgage

Dynamic Ownership

Deposit Unlock

Armed Forces Help To Buy

Skipton Track Record Mortgage

Family remortgage