Professional Mortgages
- Expert Mortgage Adviser
- We work with dozens of lenders
- Access to competitive rates
Get in touch for a free initial chat with an adviser about how we might be able to help.
The above podcast includes information which was correct at recording, some information may have changed. See the below page for up to date information.
Professional Mortgages
On this episode of the Mortgage and Protection Podcast, we’re talking all about mortgages for professionals with Mark Notley from Total Home Loans.
Are there specific mortgages tailored to Professionals?
Some lenders have particular mortgages for professionals. In general, Professional Mortgages allow the customer more flexibility if they’re in a certain profession.
They might for example be part of the healthcare system, or many other professions – each lender will be different. They may offer higher income multiples, which will allow you to borrow more, or greater flexibility within the mortgage product.
How do I know if I qualify for a professional mortgage?
The best thing to do is approach a mortgage broker. The lenders that offer professional mortgages are limited and the mortgage providers to approach will depend on your profession, your income level and your borrowing goals.
A broker will explore all the options available to you and help you make an informed decision to suit your plans.
Do professionals and key workers get better mortgage rates?
Not necessarily. You might find some schemes available that give you better access to funds and you may potentially borrow more, but in terms of better rates you won’t usually find these with a professional mortgage.
Not necessarily. You might find some schemes available that give you better access to funds and you may potentially borrow more, but in terms of better rates you won’t usually find these with a professional mortgage.
Speak To An Expert
Total Home Loans are a national mortgage broker with whole of market access. Their combined experience of over 50 years in the mortgage and financial services industry means they have an enviable reputation and one which makes them well-placed to find the most suitable mortgage solution for you.
Can I get a mortgage for five times my salary?
Yes – and at the moment there are some lenders that will go to six times your salary. Again, it depends on your profession, your annual income and your borrowing percentage.
As an example, someone who wants to borrow 95% of the property value is going to receive a lower income multiple than somebody who wants to only borrow 75%. Seek advice from your broker to find the most suitable deal.
How can a Mortgage Broker help?
With Total Home Loans there are no upfront costs to speak to us. It’s all about information. The more information you give your broker, the better placed we are to help. Tell us about what you want to do, what your circumstances are and we’ll come back to you with some ideas and options. We’ll navigate the schemes, tell you all that’s available and you can come back with questions.
It’s important to be careful out there because some of the tailored schemes that might be offered to you as key workers and other professions could in fact be worse than standard schemes from other lenders.
We will walk you through it and save you all the running. We’ll come back to you with options and explain why we are offering those options to you.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Kevin Franklin
May 31, 2022
Very professional company. I’m 63 Years old and was having trouble sorting any kind of mortgage but Mark from Total Home Loans saved the day. please do not hesitate to contact them first as I wasted a lot of time hunting around for others.
Well done Mark and the team, the number 1 company.
Lolita Cooksley
May 16, 2022
Very professional fast efficient service and really caring and genuine people to deal with. They have helped us with our mortgage twice and been great both times.
We wouldn’t hesitate to use them again in future.
Karin Salmons
May 16, 2022
Thanks to Total Home Loans and their patience, care and understanding, along with their skill and kindness, my partner and myself are now home owners something I never thought would happen,
Please even if you think it’s not something you can achieve give Total Home Loans a call they will work for you.
Again thank you all at Total Homes Loans.
Arfan Ramzan
May 5, 2022
Great service, I tried so many brokers but no one could help but Total Home Loans were the only ones who found me a lender. It was really hard to find someone, I went to 8 brokers all found online with there so called promising words trying to bring customers in still no good for me but Total Home Loans got the job done, excellent service, will recommend 💯💯💯 and there was no fee till all applications was complete unlike some brokers.
Steve Greenfield
May 4, 2022
Very happy with my experience with Total Home Loans. Very professional company, were always quick to reply and action whatever was needed.
Will definitely be back! I’ve already recommended them to a friend and they had the same positive experience that I had.
Why Total Home Loans?
- Whole of Market Advice
- Friendly and Professional Staff
- We Manage the Entire Process
- Free No Obligation Initial Quotation
- Decision in Principle within Minutes
