Standard lenders cap borrowing at around 4.5x income. But certain professional lenders offer 5x or even 6x multiples to qualified professionals with strong, stable earnings - solicitors, doctors, actuaries, accountants and similar. We identify whether you qualify and which lender offers the most generous multiple.
Who qualifies
Professional income multiples are typically available to qualified solicitors, doctors, dentists, actuaries, accountants, vets and architects - often with a minimum income threshold (e.g. £50k–£80k). We confirm your eligibility and the lenders that apply.
- Solicitors, doctors, dentists, actuaries, accountants
- Minimum income thresholds apply
- Professional qualification evidence required
How the multiple works
A 5x or 6x multiple can significantly increase your borrowing capacity, but it's still stress-tested at the lender's reverted rate. We model the real monthly cost to ensure the higher borrowing is sustainable, not just available.
- 5x–6x income multiples vs the standard 4.5x
- Still stress-tested at the reverted rate
- Real monthly cost modelled for sustainability
