Barrister

Barristers Returning from Maternity or Paternity Leave: Why a Dip in Income Doesn’t Have to Reduce Your Borrowing Power

This article discusses how barristers returning from maternity or paternity leave can still secure a mortgage. It explains why a dip in income doesn’t have to reduce borrowing power. Read on to learn how specialist lenders assess the full picture.

Education Hub

A Solution That Means Pupil Barristers Don’t Need to Wait Two Years to Get on the Property Ladder

This article discusses why pupil barristers don’t need to wait two years to get a mortgage. It explains how specialist lenders assess pupillage income and career potential. Discover how you could step onto the property ladder sooner.

Mortgage Advice for Barristers with Judicial Income: Why Irregular Sittings Do Not Limit Your Mortgage Options

This article discusses how barristers with part-time judicial income can still secure a mortgage. It explains why irregular PAYE sittings are not a barrier when presented correctly. Read on to learn how specialist advice ensures lenders see the full picture.

Changing Specialities at the Bar? Why A Dip in Income Doesn’t Have to Mean a Dip in Mortgage Options

This article discusses how changing specialities at the Bar can impact your income and mortgage options. It explains why specialist lenders take a forward-looking view. Read on to learn how your career progression can still support borrowing.

Starting Your Second Six: What It Means for Getting a Mortgage

This article discusses what starting your second six means for your finances. It explores how specialist lenders assess barristers at this stage. Read on to learn how pupillage can open the door to your first mortgage.

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Why an Offset Mortgage Can Be a Barrister’s Best Financial Tool

Managing irregular income is a constant challenge for barristers. An offset mortgage offers flexibility and tax efficiency. This article explores why an offset mortgage is a smart strategy for cash flow and long-term financial planning.

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Protection Policy Review Secures Barrister Premium Cover and Long-Term Savings

In this case, we were introduced to a Barrister who had arranged critical illness and income protection policies before their financial and personal circumstances evolved, seeking an opportunity to optimise their cover.

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Barristers’ Mortgage Q&A: Expert Answers to Your Most Common Questions

Q1: Can I use my accounts before my tax returns are finalised? Yes. Some lenders rely on finalised tax calculations (SA302s), but others will accept finalised sole trader accounts from your accountant. This flexibility allows barristers to present a more accurate income picture...

Navigating Mortgage Challenges as a Barrister With Fluctuating Income

As a self-employed barrister, your income can vary significantly, influenced by case timings, the nature of your work, and the accounting methods you employ. These fluctuations, while common in the profession, can pose unique challenges when it comes to major financial decisions like securing a...

Secured High LTV Mortgage for Barrister with Limited Credit Profile

CASE STUDY Securing a mortgage as a barrister comes with its complexities. The perceived unconventional nature of your income can pose challenges. However, this shouldn’t deter you! Obtaining a competitive mortgage, even from a high street lender, is still possible. In this case,...