As a Graduate of a UK University or member of a professional body such as an Accountant, Solicitor, Doctor, Dentist, Veterinary Surgeon or Teacher there are lenders who appreciate circumstances which may apply to such applicants.

After a lengthy process of qualification prior to your first appointment it may not have been possible to save for that all important deposit. At the same time your chosen career path, whilst offering an opportunity for earnings to increase with age, experience and additional qualifications, may provide a much lower starting salary.

Certain lenders, specializing in this area, understand the complexities of such professions and offer flexible solutions to help you onto and subsequently up the property ladder. These may include;

• Loans up to 100% of the property value for those without a deposit
• Loans above 100% of the property value to help with additional costs such as fees and stamp duty
• Help in paying such costs through such as free valuations and /or cashback to help with legal fees
• No Higher Lending Charge at these loan to values
• Stepped interest rates over a number of years that can help with affordability during a period of anticipated increasing income
• Enhanced income multiples to reflect the future earning potential that such a career path may offer
• Flexible options that may include linked savings accounts and offsetting

All of the above are subject to status but reflect the willingness of some lenders to understand the complexities that may face some borrowers.