Mortgages for Professionals

Monday 03 October 2016 | 11:42 AM

If you are working as a Professional, and by this we mean Doctors and other Medics, Dentists, Vets, Accountants, Solicitors, Barristers & other business owners, it is highly likely that the day to day demands of work and family life mean that managing your personal finances is way down your list of priorities.


Many practices of this type are Limited Liability Partnerships, which means that income is taken as drawings. Doctors and dentists may also combine NHS work with private practice work, salary bands may apply and pension commitments can often affect the ultimate take home pay. As a result, income can be complex and may often not fit the standard requirements of some mortgage lenders.


We have many years of experience working with this type of scenario, and pride ourselves on delivering swift and timely Mortgage and Insurance advice, both for any initial transactions and also through our “lifetime mortgage management” pledge.


We undertake to:


1 - work with you at a time and place of your convenience.

2 - carry out comprehensive research using our expert knowledge of lenders requirements to match you with the most effective mortgage option.

3 - work across the whole market to give you independent advice – we are not tied to any individual lender.

4 - deal with as much of the paperwork as possible.

5 - submit the application on your behalf.

6 - chase up the lender and keep you advised of progress throughout.

7 - with your permission liaise with third parties such as estate agents, surveyors, accountants and solicitors to save you time and hassle.


We have also recently signed up to an independent website where clients can leave feedback on our service, some of whom are from a Professional background. You are able to see what they have to say at


So whether you are looking to move house, re-mortgage or review your insurances, why not take local, face to face, independent mortgage and loan advice to smooth the whole process. We would be delighted to help.


Paul Hardingham and Tony Ibson are Mortgage and Protection Advisers at Innovate Mortgages and Loans. Both have over 20 years of experience advising individuals and businesses across the North East of England. They can be contacted for bespoke advice at or or call 0191 223 3514.


Think carefully before securing other debts against your home.


Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.


Innovate Mortgages and Loans is a trading style of Innovation Financial Management Ltd.