Published 10 August 2018 · Last reviewed 1 May 2026

Getting a Mortgage for Barristers and borrowing the maximum based on Barrister income employed or self-employed.

The chances are if you are a Barrister and reading this article on ‘mortgage for Barristers’ it’s in the small hours of the day as I know how long you guys work.

Obtaining a mortgage can also be a challenge because as well as the long hours I appreciate you often have a mixture of fixed fees, hourly rates and conditional fee agreements based on the success of the case. The earmarked future income in particular can be a difficult one for the Mortgage Lender to get their heads around.

At Niche Advice, we will take the time to fully understand your income position and talk to the lender representatives ahead of application so that you have a clear understanding of your borrowing potential. We know the majority of Barristers are self-employed and we have for example lenders that will look at the latest year’s accounts rather than apply an average. We further appreciate there are a growing band of employed Barristers for government departments or agencies such as the Crown Prosecution Service (CPS) and the Government Legal Service (GLS); and charities.

Certain lenders we use will allow up to 5.5 times income for professionals such as Barristers so if you are looking for the maximum mortgage then why not give us a try.