Professional
A mortgage strategy that makes sense of your complete income
Accountants understand better than most that the number shown on a payslip or tax calculation does not always represent the full financial position. Income may move from graduate salary to bonus, partnership profit or company ownership, while retained profit can be deliberately left within a successful business. ERG Finance assesses the complete position and approaches lenders whose methodology fits it.
We will review your income, plans and property before recommending the most suitable mortgage route. Your initial conversation is without obligation.
Who we can help
We assist qualified and newly qualified accountants, finance directors, auditors, tax advisers, practice owners, salaried partners and equity partners. Relevant qualifications and occupation definitions differ between lenders, so we check eligibility before making a recommendation.
Why a standard mortgage calculator may not tell the full story
Automated calculators rarely capture the nuances of professional income. Common issues include:
- Recent qualification and a step up in salary
- Annual or performance-related bonus
- Salaried or equity partnership within an LLP
- Low salary and dividends despite strong company profit
- Retained profit needed for working capital or tax planning
- Multiple directorships or income from more than one business
How ERG Finance approaches your mortgage
We compare lenders that use salary and dividends with those able to consider an applicant’s share of company profit, partnership profit or an accountant-supported view of sustainable earnings. This avoids forcing every business owner or partner into the same calculation.
We will:
- understand how every element of your income is earned and evidenced
- assess affordability and criteria before recommending a lender
- compare rate, fee, flexibility and overall cost rather than focusing on rate alone
- prepare and manage the application through to completion
- remain available to review the mortgage as your career and plans develop
What we may ask you for
The exact documents depend on the lender and income structure, but may include payslips, P60s, employment or partnership contracts, tax calculations and tax-year overviews, business or partnership accounts, bank statements, evidence of bonus or allowances, and confirmation of a new role or return-to-work arrangements.
Frequently Asked Questions
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Some professional products include qualified accountants, while other lenders offer more flexible affordability without a separate product. Eligibility and overall cost must both be checked.
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Certain lenders can consider an applicant’s share of company profit instead of relying only on salary and dividends. This is subject to shareholding, business performance and lender criteria.
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A lender may use taxable profit, profit share or an average over recent years. Where income is rising, the latest accounts and current figures can be important.
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Potentially. Some lenders recognise future earning potential or accept a new contract, while others require payslips or a longer employment history.
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It can be where it is sustainable and evidenced. We check each lender’s approach to second jobs, consultancy, directorships and investment income.
Speak to an advisor
Book a consultation
Check out our availability and book the date and time that works for you.
Select a Date and Time
Time zone: United Kingdom (Europe/London)
Your consultation
A 30-minute telephone call with one of our advisers. Tell us a little about your situation and we’ll match you with the right person.
Select a date to see availability
Booking Form
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A confirmation will follow by email. Need to make a change? Call +44(0) 1743 668 202.
This booking was taken in test mode and has not reached our diary. Please call 01743 668 202 to confirm your appointment.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. The availability and terms of any mortgage depend on individual circumstances, lender criteria, affordability, credit assessment and valuation. Professional status does not guarantee acceptance or enhanced borrowing.