Newly qualified professionals

Enhanced lending for newly qualified professionals

We’re helping more newly qualified professionals get on the property ladder by extending our 5.5x Loan to Income (LTI) across our entire range of standard residential mortgages.

Professions across a range of sectors are eligible for the 5.5x LTI, including financial and legal services, health and construction.

This enhanced LTI is exclusive to our registered brokers and broker networks.

Eligible professions

  • Accountants
  • Actuaries
  • Architects
  • Barristers
  • Chartered Surveyors
  • Dentists
  • Doctors (Medical)
  • Optometrists
  • Pharmacists
  • Solicitors
  • Veterinarians

Important: Affordability calculations are different for NQPs

Our current affordability calculator won’t calculate the NQP’s 5.5x Loan to Income feature, so please get in touch with your local BDM to make the calculation for you.

Case Study

Using 5.5x LTI, Chartered Surveyor Joe was able to borrow more and secure his dream first home.

GIF describing how we helped Joe get on the property ladder

Accepted qualifications

We will need you to provide evidence and date of qualifications with your case submission.

Accepted qualifications are listed below:


  • Institute of Chartered Accountants England & Wales
  • Institute of Chartered Accountants Scotland
  • Chartered Institute of Management Accountants
  • Association of Chartered Certified Accountants
  • Chartered Institute of Public Finance and Accountancy


  • Royal Institute of British Architects


  • The Institute and Faculty of Actuaries (IFoA)


  • The Bar Council

Chartered Surveyors

  • Royal Institute of Chartered Surveyors (RICS)


  • General Dental Council

Medical Doctors

  • General Medical Council


  • The General Optical Council


  • General Pharmaceutical Council (GPhC)


  • Law Society of England & Wales
  • Law Society of Scotland
  • Law Society of Northern Ireland


  • Royal College of Veterinary Surgeons

Submitting a NQP application

  1. After obtaining your client’s NQP certificates and checking affordability submit your case via MSO
  2. Important: MSO will decline the case (due to affordability restrictions)
  3. Contact your BDM who will decline appeal your case to progress it

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