Two million are just one pay day from crisis
More than two million UK mortgage holders would be facing financial distress if their income
25 June 2025
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Mortgage lenders see some professions as lower risk and will offer more favourable products to support our customers getting onto the property ladder, or improving their current mortgage circumstances.
There are exclusive rates offered to qualified professionals in the following industries:
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This type of mortgage is offered by specific lenders, so is not available from every lender. These lenders are a mix of high street lenders (standard rates) and specialist lenders (slightly higher rates). They are still standard mortgage products, but the difference comes down to the appetite of the lender and the profile of yourself, which they see as lower risk. So the mortgage itself is still a standard mortgage, but they usually allow professionals to borrow more than a standard mortgage, which of course can help you purchase a higher valued property.
We have a team on hand, waiting to help you. Enquire today about how we can help.
Our mortgage advisers work closely with you to save you time and give you the very best chance of a successful application.
During the application process, we’ll:
Once your mortgage has been offered, we’ll support you all the way through to completion.
We’ll work hard to build a lasting relationship with you, so you’ll always have someone you trust to help with any queries or requirements in the future.
Our approach focuses on understanding your unique circumstances and tailoring our advice to fit your specific needs.
With years of experience in the mortgage industry, we navigate the complexities of the market with ease.
Nothing is ever too complex for us! We thrive on finding solutions, whether you have a unique financial situation or specific requirements.
As mortgage lending is base on affordability – the lender will look at a variety of factors (income, age,debt, dependents etc) and will then work out how much they feel is affordable for you to borrow. With standard mortgage calculations, borrowing is usually capped at around 4.5 to 5.5 times your salary.
However, some mortgage lenders will increase this to 6 times your salary for the right professionals.
Criteria is different for every lender and every product. We have specialists across all types of scenarios to ensure our customers have the best chance of qualifying for the mortgage they need. Just like any mortgage, qualifying for a professional mortgage is based on affordability and other factors above.
For these though, if you work in one of the listed professions above, and provide us with some basic information about your salary, deposit and credit file, we can quickly establish which mortgage lenders are right for you.
Many mortgage products and competitive rates are often only available through a mortgage broker. While you can certainly reach out to lenders individually, working with our team at Appleton Mortgages allows us to quickly assess the market in just minutes. We can identify the most suitable mortgage lenders for your unique situation.
The best mortgage rate will depend on lender criteria, which can fluctuate frequently. However, we have access to a broad range of lenders and over 18,000 mortgage and protection products, ensuring you receive immediate access to the right options for your needs. Let us streamline the process for you!
There’s lots of numbers involved and calculations to do when dealing with finances, explore our free-to-use calculators to keep things simple.
Calculate what a monthly mortgage payment might look like for you.
At Appleton Mortgages, we’re committed to guiding you every step of the way, making the process as seamless and enjoyable as possible.
Understand our 8 step process, from having your initial chat to receiving your keys.
Contact us via phone, email, or our website to schedule your initial consultation. During this conversation, we’ll discuss your goals, financial situation, and any specific requirements you may have. This helps us understand how we can best assist you.
In our in-depth consultation, we’ll dive deeper into your needs and preferences. We’ll gather essential information, such as your income, credit history, and desired property type. This allows us to assess your mortgage options and outline a personalised plan.
Once we have all the necessary information, we’ll conduct thorough research to find the most suitable mortgage products for you. We’ll present our recommendations, explaining the benefits and potential drawbacks of each option, so you can make an informed decision.
After you choose a mortgage option, we’ll help you prepare your application. This includes gathering all required documents and ensuring everything is in order. We’ll guide you through the paperwork and clarify any questions you may have.
We’ll submit your mortgage application to the lender on your behalf. Our team will stay in close contact with the lender to ensure everything moves smoothly and address any queries that may arise during the process.
As your application is processed, we’ll liaise with estate agents and solicitors to keep everyone in the loop. This allows you to focus on your day job while we handle the running around and ensure all parties are aligned.
Once your application is approved, you’ll receive a formal mortgage offer. We’ll review the offer with you to ensure you understand the terms and conditions, and we’ll help you navigate the acceptance process.
Finally, once all legal work is completed and the funds are in place, your mortgage will be finalised. We’ll be there to support you through the completion, ensuring everything goes smoothly and you’re ready to move into your new home!
More than two million UK mortgage holders would be facing financial distress if their income
Affordability for first-time buyers (FTBs) reached its most favourable level in ten years last year,
According to Moneyfacts, the number of low-deposit mortgages available at 90% and 95% loan-to-value (LTV)
We offer face to face appointments in the areas where we have brokers. If you live outside of that area, we can still help you! We offer phone call and zoom appointments nationwide.
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £295
Your home may be repossessed if you do not keep up repayments on your mortgage.
Appleton Mortgages Limited is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
Registered Office: Appleton Mortgage Limited,85 Great Portland Street, London, England, W1W 7LT. Registered Company Number: 15807713.Registered in England & Wales/Northern Ireland/Ireland/Scotland.