Mortgages for Barristers
Get approved for a mortgage that reflects your real income even if it comes from chambers work, legal aid, private instruction or irregular case fees.
Tailored Mortgage Solutions
Huge Choice
Save Time & Protect
Your Credit Score
Quick Decisions,
No Delays
Getting a Mortgage as a Barrister Shouldn’t Be This Difficult
You’ve built your career on precision, discipline, and results, so why does getting a mortgage feel like a drawn-out trial?
Whether you’re working through chambers, on legal aid, or handling private instruction, the truth is this: most lenders simply don’t understand how barristers get paid and when they don’t understand, they say no.
And that’s when things start to fall apart.
Lenders Don’t Understand Barrister Income
Most banks expect tidy, regular payslips. You invoice by case. You’re self-employed. Income might spike one month and dip the next but over the year, it’s strong. The problem? Lenders focus on what’s easy to assess, not what’s actually accurate.
Some will insist on multiple years of accounts. Others will average out a strong year with a lean one. Some won’t even look beyond your most recent tax return. You end up being penalised for how you work not what you earn.
Already been declined? Or told you can’t borrow enough? You’re not alone and it’s not your fault. It’s a system built for salaried employees, not legal professionals like you.
We Specialise in Mortgages for Barristers
At Wallace Home Finance, we’ve helped barristers at every stage - junior, mid-career, and KC - get approved for the mortgage they actually deserve. We know how your income flows, whether it’s seasonal, unpredictable, or mixed between legal aid and private work. And more importantly, we know which lenders will accept it.
Where others see complexity, we see opportunity. We can build your case using the right documents, chambers remittance advice, SA302s, accountant summaries and present it properly to underwriters who understand your world. In many cases, we can use your full self-employed income without inflating your tax bill just to tick a box.
As a whole-of-market broker, we search over 100 lenders to find the one best suited to your situation and get you the right rate, not just any rate.
We’ll Handle Everything, So You Don’t Have To
Barristers are short on time. You don’t want to spend hours chasing banks, gathering forms, or repeating your situation. That’s where we come in.
You’ll deal directly with an experienced mortgage adviser who understands the legal sector. We’ll meet you over Zoom at a time that suits your court schedule, including evenings and weekends, and we’ll take care of the entire process for you, start to finish.
You explain your income once. We do the rest.
Let’s Make This Simple
If you’re a barrister and want to get the mortgage you deserve without delays, guesswork, or generic advice - Fill in our short enquiry form.
We’ll have a quick conversation to understand your situation and show you your options.
No stress. No scripts. Just expert help from someone who actually understands how you get paid.
Get Started
Fill out our quick enquiry form or give us a call to set up an initial chat. We can help you borrow more, save money and move in to the home you deserve.
By clicking ‘CALL ME BACK” you agree for us to use your personal data to contact you to discuss your mortgage requirements. For full details on how we process personal data please see our privacy policy
Why Choose Us?
We bring specialist expertise to the table, with a deep understanding of how you are paid. Our whole of market access ensures you get a great rate which will save you time and money.
Tailored Mortgage Solutions
At Wallace Home Finance, we work with over 90 mortgage lenders, representing the whole of the mortgage market, and offering access to more than 10,000 mortgage products. This means we can explore a wide range of options to find the perfect deal for you.
For those in the professionals like you, we’ve built strong relationships with specialist lenders and their underwriters – real decision-makers who understand your circumstances. So even if mainstream lenders have turned you down, we can connect you with someone who’s ready to help.
Save Time & Protect Your Credit Score
We’ve spent years helping people secure mortgages, so we know exactly which lenders are most likely to say “yes” to your application. By focusing on the right lenders from the start, we avoid wasting your time or harming your credit score with multiple unnecessary applications. Instead, we streamline the process to get you closer to the home you want.
Huge Choice
We’ve got access to over 10,000 different mortgage products, including ones from lenders who don’t deal direct with the public. This means that, irrespective of whether your income comes from a mix of sources, we’ll have a lender for you.
Our cutting-edge software, powered by advanced algorithms, quickly identifies the lenders and deals best suited to your unique circumstances – saving you time, stress, and unnecessary rejections, and giving you the certainty you need to move forward.
Quick Decisions, No Delays
We know how important it is to secure your mortgage quickly, especially when your dream home is on the line. That’s why we’ve developed efficient systems and processes to get you a decision in record time. Once we have the key details about your situation, we can usually secure a decision in principle from a lender within 24 hours – so you can prove to vendors and estate agents that you are good for the money.
What Our Customers Say
Find Out How Much You Can Borrow Today.
To see which mortgages you qualify for, fill in our quick online enquiry form. One of our specialist advisers will give you a call, explain your options, and match you with a lender that’s right for you.
By clicking ‘Call Me Back’ you agree for us to use your personal data to contact you to discuss your mortgage requirements. For full details on how we process personal data please see our privacy policy.