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This depends on how you are employed. If you are employed on a permanent salary by a practice or within a legal department of an organisation, the lender will simply work from your salary, plus any bonuses or overtime you receive. However, due to the high regard in which your career is held, we do have access to lenders who will apply enhanced income multiples to a newly qualified solicitor in anticipation of their higher career trajectory and future earnings potential.

Many complications for arranging a mortgage for a solicitor arise when they are made a partner within a practice. Depending on the shareholding they are given, this can mean they are treated as being self-employed. In this situation, a lender would want to see a minimum of one to three years' personal tax returns, which could preclude you from being able to borrow, even though you have had a significant promotion.

At Taylor James Financial Services, our extensive knowledge of this marketplace means we can place your mortgage application with lenders who will assess your income based on the practice's historic accounts. If you're a newly partnered solicitor, we can arrange a mortgage that's right for you.

Even if you are an employed partner, we can get lenders to accept your future profit share entitlement, based on the practice's previous accounts. This can help to enhance your borrowing capabilities significantly and allow you to obtain a higher mortgage than would ordinarily be the case.

In general, mortgages are always going to be available to qualified professionals in an elite industry. The big question is whether a solicitor can borrow enough to purchase at the level they want.

Fortunately, there are solutions to all these challenges, which is where the assistance provided by Taylor James Financial Services comes into its own. Our experienced brokers fully understand the profession and have existing relationships with lenders who are familiar with the nature of your industry, and will be able to:

• Identify lenders with the most favourable terms for a solicitor in your situation.
• Secure the most suitable mortgage for your needs, based on your specific requirements and circumstances.

• Compile all the required paperwork.
• Effectively present your record of earnings to match a lender's criteria.
• Manage the entire application process from start to finish and liaise with all of the relevant parties on your behalf. This saves you valuable time and allows you to focus on your day job.
• Be your trusted adviser for all of your financial planning needs, including advising on your pensions, investments and all of the necessary protection policies. This helps ensure you and your family continue to maintain the standard of living you enjoy, even if your income were to stop, for whatever reason.