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.