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HTG Mortgages

Mortgages for Accountants

Last Updated: August 2026

Featured in The Telegraph • Daily Mail • The Times • Sky News

Some lenders offer qualified accountants enhanced income multiples, in a similar way to how doctors and dentists are sometimes treated, and assess LLP partner income properly rather than lumping it in with general self-employed criteria. It’s a smaller part of our caseload than some of the professions we work with, but we keep track of which lenders currently offer this and how the criteria change.

Some lenders offer enhanced income multiples to qualified accountants, up to around 6 times income.

LLP partner profit share assessed properly, not written off as unstable self-employed income.

Newly qualified accountants may still qualify for enhanced lending with the right lender.

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As featured in…

Harry Goodliffe, director and FCA-authorised mortgage advisor at HTG Mortgages, at his desk

Meet your Advisor

Harry Goodliffe

  • FCA Authorised
  • Director & Mortgage Advisor

“I‘m not about confusing jargon or passing you from person to person. From our first chat to the day you get the keys, you’ll deal directly with me. I‘ll keep you updated, answer any burning questions, and do everything I can to make the whole process as stress-free as possible.”

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The accountant mortgage process

1

Step 1

First Chat

Get in touch to talk through your qualification, your income structure and what you’re looking to borrow.

2

Step 2

Review

We review your qualification and income structure, including any LLP profit share or sole practitioner accounts.

3

Step 3

Lender Match

We match you to a lender with criteria that suit qualified accountants and how your income is structured.

4

Step 4

Application

We handle your application through to offer, liaising with the lender on your behalf.

About

Our approach.

Why choose HTG Mortgages?

Here’s what matters most for qualified accountants applying for a mortgage:

We know how qualifications are treated

ICAEW, ACCA and CIMA qualifications are treated differently by different lenders, and we keep track of which ones currently offer enhanced terms.

LLP partner income assessed properly

If you’re an LLP partner, we know your profit share needs assessing on its own terms, not lumped in with general self-employed criteria without a second look.

Enhanced multiples where available

A handful of lenders offer enhanced income multiples for accountants, and we know which ones currently do.

Straightforward, current advice

This isn’t the biggest part of our caseload, but we keep the criteria current rather than relying on how things used to work.

Speak to an expert

Qualified accountants don’t always get the recognition they deserve from lenders, whether that’s LLP profit share or a newly qualified starting salary. We keep track of which lenders currently offer enhanced terms so you don’t have to. Get in touch and we’ll talk you through what’s possible.

Get in touch

How HTG Mortgages Can Help

We keep track of which lenders currently offer enhanced terms for accountants, and we understand how LLP partner income needs to be presented. We can help with:

  • Checking which lenders currently offer enhanced multiples for your qualification
  • Presenting LLP profit share or sole practitioner income correctly
  • Advice for newly qualified accountants on what’s realistically available
  • Supporting you through to mortgage offer

Who accountant mortgages can help

This page is for you if:

  • You’re a qualified accountant (ICAEW, ICAS, ACCA or CIMA) and want to know if enhanced lending applies to you
  • You’re an LLP partner and think your profit share isn’t being assessed fairly
  • You’re newly qualified and unsure what that means for your borrowing
  • You’re a sole practitioner with your own accounts to present

If you’re not sure whether any of this applies to you, get in touch and we can talk through your specific situation. If you are a partner in an LLP or a director of your own firm, our limited company mortgages page covers how lenders assess that income. We work with professionals across Hampshire, including Winchester.

Why use HTG’s mortgage services?

Available 24/7, so we are always there to help when you need us

We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages

We provide unrivalled customer service, ensuring that you get the care you deserve

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Frequently Asked Questions

Have another question?

Some lenders offer enhanced income multiples to qualified accountants, in a similar way to how doctors, dentists and solicitors are sometimes treated, with a small number of lenders going up to around 6 times income rather than the standard 4 to 4.5 times. This isn’t offered by every lender and the details change over time, so it’s worth checking what’s currently available rather than assuming a specific multiple applies to you.

Lenders that offer enhanced multiples for accountants typically look for a recognised chartered or certified qualification, such as ICAEW, ICAS, ACCA or CIMA membership, and usually expect you to be fully qualified and practising rather than partway through training. The exact list of accepted bodies varies by lender.

It can work in your favour with the right lender. Some lenders have offered enhanced multiples and more relaxed income-history requirements to recently qualified professionals, including accountants, based on their current starting salary, typically for those qualified within the last few years. This isn’t guaranteed at every lender, so it’s worth getting advice specific to your situation.

If you’re an equity partner or receive profit share as part of your pay, most lenders assess you as self-employed rather than employed, using the average of your last two years’ profit share, or sometimes the lower of the two years, rather than your drawings alone. This is a common area where partners get a worse deal than they should if their income isn’t presented properly.

Most lenders prefer two years, but some will consider one year if your income is stable and you can support it with an accountant’s reference or HMRC evidence like an SA302. The right lender for this depends on your specific numbers, so it’s worth talking it through rather than assuming you don’t qualify.

No, it isn’t automatic. Enhanced multiples are offered by specific lenders under specific criteria, usually a minimum income and full membership of a recognised body, and the market for these products changes over time as lenders update their criteria. We check what’s currently available rather than relying on how things used to work.

An employed accountant’s salary is usually assessed in the same way as any other employee’s. A partner’s profit share is normally assessed as self-employed income, which means lenders want to see accounts or tax evidence covering a period of time rather than a single payslip, and some lenders are more comfortable with this than others.

No, it’s a minority of lenders, and the ones that do vary in exactly which multiple and criteria they apply. That’s really where using a broker helps, since we keep track of which lenders currently offer this rather than you having to check each one yourself.


Harry Goodliffe
Written by Harry Goodliffe
Director & Mortgage Adviser, HTG Mortgages  ·  FCA Authorised (1017945)
CeMAP Qualified  ·  Featured in National Press  ·  South England Prestige Awards 2026/27 winner

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