Mortgages for Professionals

A Scottish Building Society professional mortgage allows you to borrow up to 90% of the purchase price or valuation of your new property – whichever is lower. You could borrow from £50,000 to £500,000, depending on the size of the loan compared to value – so there’s plenty of scope to find the property that’s right for you.

Eligible Professions

Our mortgages for professionals are available to qualified, practicing and registered:

  • Accountants
  • Actuaries
  • Dentists
  • Medical Doctors
  • Lawyers
  • Optometrists
  • Pharmacists (Practice Owner/Partner)
  • Vets (Practice Owner/Partner)

Applicants should be over 21 and looking to purchase or remortgage.


We offer highly competitive rates, so if you already have a mortgage and want to switch to a better deal you can remortgage with us. To make things as easy as possible, you could borrow up to 90% of the valuation of your property. As our remortgage packages also include a free valuation and free legals, we can help you save money, too. And because you never know where your career might take you next, our mortgages for professionals is fully portable, so you can take it with you if you move house.


Maximum Loan

The maximum LTVs for our professional mortgages are:

  • For loans up to £400,000, the applicant can borrow up to 90% of the property value or purchase price (whichever is lower). This is inclusive of any fees within the loan.
  • For loans above £400,000 and up to £450,000, the applicant can borrow up to 85% of the property value or purchase price (whichever is lower).
  • For loans above £450,000 and up to £500,000 the applicant can borrow up to 80% of the property value or purchase price (whichever is lower).

5 great reasons to choose a Professional Mortgage from the Scottish

A mortgage that's specially designed for professional pathways
Available to qualified, registered and practicing Actuaries, Optometrists, Pharmacists, Doctors, Dentists, Accountants, Lawyers and Vets
It allows you to borrow up to 90% of the purchase price or valuation – whichever is lower
You could borrow from £50,000 to £500,000, depending on the size of the loan compared to value
Also available for remortgages

Low Start Mortgage for Doctors

Our Low Start Mortgage for Doctors offers the option of interest only payments at the start of the mortgage, often when you need the most flexibility. Click here to find out more.

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Our specialist team of mortgage advisers will consider your application on an individual basis, rather than following a formula. So whether you’re newly qualified or have spent many years in your profession, our mortgages for professionals is adaptable enough to suit you, wherever you are in your career. 


Who is eligible?

To qualify for our Professional Mortgage, you’ll need to be over 21 and registered with the appropriate governing body:


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


  • General Dental Council

Medical Doctors

  • General Medical Council


  • Law Society of Scotland


  • Institute and Faculty of Actuaries


  • General Optical Council


  • General Pharmaceutical Council


  • Royal College of Veterinary Surgeons


Although we are unable to consider applications for Professional Mortgages from trainees or students, we do provide other mortgage options so we may still be able to help. Our Guarantor Mortgages are designed to help first time buyers who may require some parental support to take that all important first step onto the property ladder.

Scottish Building Society Guarantor Mortgages are available to the children of professionals looking to buy their first home, as well as professionals themselves aged under 35.


For full details of all interest rate options currently available please see our interest rate information pages. Our specialist Mortgage advisers can guide you through the application process and help make everything as smooth as possible.



How much can I borrow?

You can borrow from £50,000 to £500,000.

A mortgage is a big financial commitment. As a responsible lender, we think carefully about the amount you can borrow. We assess all applications on an individual basis and the amount you can borrow will depend on your circumstances. Any existing financial commitments will also be taken into consideration when calculating affordability.

We also provide additional mortgage borrowing. If your main mortgage is less than the agreed maximum amount you could borrow, you can apply for a Further Advance once you’ve had your mortgage with us for six months.

What are the interest rate options?

For current mortgage rates, please ask for details at your local branch or visit our website

Are there any flexible features?

Where Early Repayment Charges apply to any of our mortgages, you may be allowed to make overpayments (normally up to 10% of the loan amount in any rolling 12 month period) without penalty.

Once any period where Early Repayment Charges are applicable has ended, you may make capital reductions without limit or penalty to reduce the balance of the mortgage.

What happens if I want to move house?

If you move home and want to transfer this mortgage to a new property, you can do this if the application satisfies the normal lending criteria of Scottish Building Society.

Anything else I need to think about?

Buildings Insurance must be arranged prior to funds being released.

Contact Us

For new savings or mortgage enquiries, call us today on

0333 207 4007

Lines open 9-5 Mon to Fri (10-5 Wed). Calls may be recorded and/or monitored.

Existing Member Enquiries

To talk to us about an existing savings or mortgage account, contact your local office

Find your local office