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Mortgages for Barristers Applying for Silk

Applying for King’s Counsel represents a significant point in a barrister’s career. By this stage, you may have developed a substantial practice, a strong history of earnings and considerable professional standing. Yet the period surrounding an application for silk can create an unusual position from a mortgage perspective. ...

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Mortgages for New Tenants: A Guide for Barristers

Securing tenancy is a major milestone in a barrister’s career. Professionally, it marks the transition from pupillage into independent practice. Financially, however, it can create an unusual position when applying for a mortgage. You may now have greater earning potential and a developing practice, but relatively little historic...

Mortgages for King’s Counsel

Taking silk represents one of the most significant milestones in a barrister’s career. By this stage, you may have built a substantial practice, established a long history of self-employed earnings and developed considerable professional standing. From a mortgage perspective, this provides valuable evidence. It does not, however, mean that borrowing...

Mortgages for Junior Barristers

As a barrister’s practice develops, the mortgage conversation often changes with it. The challenge during pupillage and early tenancy may have been demonstrating sufficient history of self-employed income. A few years into practice, you are likely to have accounts, tax calculations and a more established track record. However, a...

Mortgages for Recorders and Judges

Judicial appointment represents an important stage in a barrister’s career and can materially change the way income needs to be considered for mortgage purposes. For some, this begins with appointment as a Recorder or another part-time judicial role alongside an established practice at the Bar. For others, a...

Mortgages For Pupil Barristers

Starting pupillage is a significant professional milestone. It can also be the point at which your finances begin to look very different from those of someone following a conventional employed career. For pupil barristers considering buying a property, this can create an important question: can you get a mortgage during pupillage?...

Protection Planning Should Evolve Alongside Wealth, Borrowing and Family Responsibilities

Protection is often arranged at a particular moment in someone’s life. A first mortgage. The birth of a child. A new business. A significant increase in borrowing. At that point, the need for protection can feel clear. The challenge is that life...

Inheritance Tax Planning Needs a Liquidity Conversation, Not Just a Tax Calculation

Inheritance tax planning is often framed around the size of a potential liability. What is the value of the estate? Which allowances may apply? What could ultimately become payable? Those are important questions and should be addressed with appropriately qualified tax and legal advisers. But identifying a future...

Commercial Finance Should Strengthen Your Business Strategy, Not Just Fund It

For many business owners, commercial finance begins with a transaction. Purchasing new premises. Refinancing an existing property. Expanding into a larger facility. Acquiring an investment asset. The focus is naturally on completing the deal. The most successful...

The Best Inheritance Tax Planning Starts Long Before Tax Becomes the Focus

For many families, inheritance tax only becomes part of the conversation when there is a reason to be concerned. A valuable family home. A growing property portfolio. The sale of a business. A change in legislation. By that...