Professional Mortgages
Professional Mortgages
As a professional, we know that you worked hard to fulfill your career aspirations, with sacrifices often made. This often means that your resulting unique circumstances can make finding a mortgage difficult. Wishing to reward your dedication and prospects, we aim to provide flexibility when assessing your eligibility for a mortgage.
Our flexible approach means that we get to know and understand your personal circumstances first, plus with a wide range of mortgages on offer we’re sure to have something that will match your individual needs.
We also consider applications from trainees, so whatever stage you’re at in your profession and whether you operate as a consultant, sole trader or are directly employed, our knowledgeable team can help.
We even have a mortgage scheme specifically for newly qualified Associate Dentists looking to buy a home and who have only been in the role for a minimum of three months. A link to the details can be found below.
Click on one of the products below to find out more
| PRODUCT | DISCOUNTED FOR | STANDARD VARIABLE RATE (SVR) | INITIAL RATE PAYABLE | APRC | EARLY REPAYMENT CHARGE PERIOD | MAX LTV | BOOKING/ ARRANGEMENT FEE |
| Newly Qualified Associate Dentists – Stepped 5 Year Discount from SVR Mortgage as follows 2.00% Yrs 1 and 2 1.50% Yrs 3, 4 and 5 | 5 YEARS | 5.24% | 3.24% Yrs 1 and 2, 3.74% Yrs 3, 4 and 5 (Collar 2.5%) | 4.7% | 5 years | 90% | £125 – Upfront Booking Fee |
| First Time Buyers Discount Mortgage SVR less 2.25% | 5 Years | 5.24% | 2.99% (Collar 2.5%) | 4.5% | 5 Years | 95% | £125 – Upfront Booking Fee |
| No Early Repayment Charge SVR Mortgage | N/A | 5.24% | 5.24% (Collar 2.5%) | 5.5% | N/A | 75% | £125 – Upfront Booking Fee Arrangement Fee 1% |
| Stepped 5 Year Discount from SVR Mortgage – Purchase only as follows 1.85% Yrs 1, 2 and 3 2.25% Yrs 4 and 5 | 5 YEARS | 5.24% | 3.39% Yrs 1, 2 and 3 2.99% Yrs 4 and 5 (Collar 2.5%) | 4.6% | 3 Years | 75% | £125 – Upfront Booking Fee £1,100 Arrangement Fee |
| Stepped 5 Year Discount from SVR Mortgage – Remortgage only as follows 1.85% Yrs 1, 2 and 3 2.25% Yrs 4 and 5 | 5 YEARS | 5.24% | 3.39% Yrs 1, 2 and 3 2.99% Yrs 4 and 5 (Collar 2.5%) | 4.6% | 3 Years | 75% | £125 – Upfront Booking Fee £1,100 Arrangement Fee |
| Discount Mortgage SVR – Purchase only less 2.25% for 5 years | 5 YEARS | 5.24% | 2.99% (Collar 2.5%) | 4.5% | 5 years | 75% | £125 – Upfront Booking Fee £1,100 Arrangement Fee |
| Discount Mortgage SVR – Remortgage only less 2.25% for 5 years | 5 YEARS | 5.24% | 2.99% (Collar 2.5%) | 4.5% | 5 years | 75% | £125 – Upfront Booking Fee £1,100 Arrangement Fee |
| Discount Mortgage SVR less 1.95% for 5 years | 5 YEARS | 5.24% | 3.29% (Collar 2.5%) | 4.6% | 5 years | 75% | £125 – Upfront Booking Fee £699 Arrangement Fee |
| Discount Mortgage SVR less 1.65% for 5 years | 5 years | 5.24% | 3.59% (Collar 2.5%) | 4.8% | 2 years | 75% | £125 – Upfront Booking Fee £699 Arrangement Fee |
| Discount Mortgage SVR less 1.45% for 5 years | 5 years | 5.24% | 3.79% (Collar 2.5%) | 4.8% | 5 Years | 90% | £125 – Upfront Booking Fee £599 Arrangement Fee |
| Discount Mortgage SVR less 1.00% for 5 years | 5 Years | 5.24% | 4.24% (Collar 2.5%) | 5.0% | 3 Years | 90% | £125 – Upfront Booking Fee £599 Arrangement Fee |
| Self-build Mortgage SVR less 0.25% for 5 years | 5 years | 5.24% | 4.99% (Collar 2.5%) | 5.4% | 2 years | 50% on land and up to 75% at stage release | £125 – Upfront Booking Fee £999 Arrangement Fee |
| Standard Variable Rate Mortgage | N/A | 5.24% | 5.24% (Collar 2.5%) | 5.4% | 2 years | 90% | £125 – Upfront Booking Fee £399 Arrangement Fee |
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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