Applicants must be over 21 years of age, and fully qualified, practicing and registered with the appropriate governing body (see below) in one of the following professions:

  • accountants
  • actuaries
  • barristers
  • dentists
  • engineers
  • medical doctors
  • optometrists
  • pharmacists
  • solicitors
  • teachers
  • vets

We’ll also consider trainee accountants, trainee actuaries and trainee solicitors.

Key points

  • Exclusively for professionals
  • Up to 90% loan to value
  • Individual assessment
  • Further advances available
  • Remortgage incentives
  • Internet banking available
  • Overpayments available
  • Offset available at no extra cost
  • Professionals must be registered with the appropriate governing body as listed below:


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


    • The Institute and Faculty of Actuaries (IFoA)


    • The Bar Council


    • General Dental Council


    • Engineering Council (limited to members qualified as IEng or CEng)

    Medical Doctors

    • General Medical Council


    • The General Optical Council


    • General Pharmaceutical Council (GPhC)


    • Law Society of Scotland
    • Law Society of England & Wales
    • Law Society of Northern Ireland


    • England – must have Qualified Teacher Status (QTS)
    • Wales – General Teaching Council for Wales
    • Scotland – General Teaching Council for Scotland
    • Northern Ireland – General Teaching Council for Northern Ireland


    • Royal College of Veterinary Surgeons

Next steps

Scottish Widows Bank is a trading name of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.