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Whilst many accountants earn a lot of money, meaning they can obtain higher value mortgages, many are self-employed, which makes the application process slightly more difficult as lenders will have certain requirements you must meet. 


How can I obtain a larger mortgage? 


Most lenders work on an affordability calculation that multiples your income by four or five times, in order to work out how much money you can borrow. For example, if an accountant had an annual salary of £70,000, you could expect to be able to borrow £280,000-£350,000 for a mortgage. 


As a high earner, you may also be able to place a larger deposit down, reducing your repayments and the risk you present to a lender. 


What are the difficulties? 


Most accountants are registered as self-employed, meaning lenders will require at least 12 month’s work history. They will then look at the figures you declare to HMRC when considering your application. 


There may be problems, though. 


Due to the nature of the job, your income may be irregular, which could affect your access to the better rates. 


By speaking to an expert mortgage adviser with access to a wide panel of lenders, including specialist lenders that have exclusive products for accountants and professionals. 


For advice on getting a mortgage if you are an accountant, or a professional mortgage, speak to one of our expert advisers who will be able to help you with the next steps.