Are you a qualified professional looking for a mortgage in February 2026? Many UK lenders offer specialist professional mortgages with higher borrowing limits and lower interest rates for individuals in stable, high-earning careers such as medicine, law, and accounting.
Why Professionals Get Better Deals
Lenders view professionals as low-risk borrowers. In 2026, if you are a newly qualified doctor or a partner in a law firm, you can access enhanced income multiples, allowing you to borrow up to 5.5 or even 6 times your salary. This is a significant boost to your property purchasing power.
| Eligible Profession | Key Benefit | Typical LTV |
|---|---|---|
| Medical/NHS Doctors | Stipend Income Accepted | Up to 95% |
| Qualified Solicitors | Partner Income Considered | Up to 90% |
| Chartered Accountants | Flexible Bonus Inclusion | Up to 90% |
Documentation Required
- Proof of Professional Status: Certificates from GMC, Law Society, or relevant bodies.
- Employment Contract: Lenders often accept contracts starting within the next 3 months.
- Income Verification: Latest 3 months of payslips or certified business accounts.
INSIDER TIP: Some specialist lenders in February 2026 are offering “Offset Mortgages” for professionals, allowing you to use your savings to reduce monthly interest.
Conclusion
Your professional status is a valuable asset when applying for a home loan. By leveraging bespoke mortgage products in February 2026, you can secure the best interest rates and higher borrowing amounts. Consult a professional mortgage broker today to explore your exclusive options.