KITE MORTGAGES
Specialist mortgage broker for City professionals
We work with lawyers, investment bankers, private equity and hedge fund professionals, traders, and senior tech leaders.
We structure mortgages around complex income: bonuses, RSUs, carried interest, partnership drawings, and foreign currency. If your income doesn't fit a standard model, we know which lenders may treat it properly.
Last updated: November 2026
YOUR TEAM
Every client speaks directly with an adviser who already knows how your income is assessed, and which lenders treat it most favourably
David Walsh
Director and Mortgage Adviser
Specialist in complex income structures for City professionals. Advises on mortgage strategy for high earners with partnership income, bonus-heavy pay, equity compensation, and foreign currency earnings.
View profile →
Simon Hart
Mortgage & Protection Adviser
Mortgage adviser at Kite Mortgages. Specialises in high-value purchases and remortgages for City professionals. Works with clients navigating complex income structures including variable pay, carried interest, and multi-currency earnings.
View profile →WHO WE HELP
Find your profession
We specialise in six areas where income complexity most often affects mortgage outcomes. Each has its own challenges, and we know how to navigate every one of them.
Profession guide
Lawyers & Law Firm Partners
Partnership drawings, profit share, and LLP structures assessed accurately, from NQ solicitors to Magic Circle equity partners.
Read the guide →Profession guide
Investment Banking Professionals
Bonus-heavy income treated fairly. We know which lenders may use your full bonus history, not just average it down.
Read the guide →Profession guide
Private Equity Professionals
Carried interest, co-invest, and deferred compensation require lenders who understand fund economics, not just payslips.
Read the guide →Profession guide
Hedge Fund Professionals
Performance-linked pay that varies dramatically year on year. We structure applications around your strongest provable position.
Read the guide →Profession guide
Trading & Investment Professionals
Risk-based pay, structurer income, and market-linked bonuses rarely fit standard affordability models. We know which do.
Read the guide →Profession guide
Tech & Product Leaders
RSUs, stock options, and international equity packages need specialist lender treatment, especially with USD or EUR income.
Read the guide →WHAT WE UNDERSTAND
We structure mortgages around complex income
Standard lenders use standard models. If your income doesn't fit the template, you borrow less than you should. We know exactly where the flexibility is, and which lenders offer it.
Variable pay
Bonuses & Commissions
Many lenders average bonuses over two or three years, but some may weight the latest year if income is trending upward. Which lender matters.
Read the guide →Equity compensation
RSUs & Stock Options
A handful of lenders now include vested RSUs in their affordability calculations. We know which ones, and how they treat unvested tranches.
Read the guide →Self-employed
Partnership Drawings
LLP equity partners are classified as self-employed, but your income is nothing like a sole trader’s. The right lender uses latest-year profit share, not a blunt two-year average.
Read the guide →Fund economics
Carried Interest
Carry is unpredictable, lumpy, and poorly understood by many lenders. Private banks are often the only route, and we work with several who assess it sensibly.
Read the guide →International
Foreign Currency Income
Earning in USD, EUR, or CHF doesn’t disqualify you, but many high street lenders either haircut the income or decline entirely. Specialist routes exist.
Read the guide →Multi-stream
Complex & Layered Income
When you have salary, bonus, equity, and other income simultaneously, the challenge isn’t any single stream: it’s packaging them so one lender can underwrite the full picture.
Read the guide →We don’t just place mortgages. We understand how your income works and which lenders may treat it fairly. That’s the difference between the right mortgage and a compromised one.
HOW IT WORKS
From first call to completion
We keep the process simple. Most clients receive indicative figures within the first conversation.
Initial Consultation
We block out 45 minutes. You tell us what you’re looking to do; we give you a clear view of what’s achievable, which lenders suit your income, and what the numbers look like.
Document Review
We request the documents lenders need, payslips, SA302s, bonus letters, RSU schedules, and review everything before submission so there are no surprises.
Lender Selection
We match your income structure to the lender who’ll treat it most favourably. The right lender can mean hundreds of thousands more in borrowing power.
Application Management
We manage the full application, liaise with the lender and solicitors, and keep you updated at every stage. Same-day responses, no chasing required.
Book a fee-free, no-obligation consultation. We'll give you indicative figures and a clear understanding of your options, usually the same day.
Book a Fee-Free ConsultationCLIENT REVIEWS
What our clients say
Kite Mortgages were brilliant from start to finish. With most of my income being bonus-based, David knew exactly which lenders would treat it properly and secured a great deal on a tight timeline.
As a partner in a law firm, it was important to have someone who understands the intricacies of our income. David understood the structure and secured a competitive rate in good time.
During a difficult purchase, David was everything we needed from a mortgage broker. Clear advice, fast responses, and he guided us through the entire process without a single issue.
I highly recommend David and his team. As a General Counsel, in the process of selling one property while re-mortgaging another, while also starting a family and renovating a home, it was important to have an adviser who would consider the best structure for our family. Dave was that person.
We couldn’t be more impressed with the service from David Walsh! He stepped in and handled everything with incredible speed and professionalism, making what could have been a stressful process completely seamless.
David has been great. He was very responsive, he found the right deal, and he helped me successfully navigate a few curveballs on the journey!
David was a calm, extremely knowledgeable and very reliable voice throughout what was a complicated and unfamiliar process. I would recommend him without hesitation.
My experience of working with David was first rate. He is a total professional, always available, responsive and very knowledgeable in his field.
I was put in touch with Simon Hart at Kite Mortgages by my estate agent. Super responsive, incredibly knowledgeable, and made the whole mortgage process straightforward.
FAQs
Frequently Asked Questions
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City professionals whose pay is more than a basic salary: lawyers and law firm partners, investment bankers, private equity and hedge fund professionals, traders and senior tech leaders. We structure mortgages around bonuses, Restricted Stock Units (RSUs), carried interest, partnership drawings and foreign currency income.
A single lender can only assess you under its own rules. Lenders differ widely in how much of a bonus, a profit share or vested shares they may count, so the choice of lender, and how the application is presented, can change how much you can borrow. We compare how the lenders on our panel may treat your income before anything is submitted.
No. Complex income is where we add the most value, but we are happy to help where the income is simple too: a salaried income, a standard residential purchase, a remortgage. If we are not the right fit, we will say so on the first call.
We block out 45 minutes, by video or phone. You don't need to prepare anything. You tell us what you're looking to do, and we send indicative figures the same day.
We aim to have a decision in principle within 24 hours of receiving your documents. We will tell you exactly which documents are needed after the first call.
No. We are based in Islington and most of our clients live or work in London, but the advice is given by video call, phone and email. Meetings at our office are by appointment.
Yes. Our fees are fixed and depend only on the complexity of your case, not on the size of the loan. Standard cases, which cover the majority of residential mortgages, are £750. Specialist cases, which involve additional structuring or documentation (for example foreign currency mortgages, equity compensation including Restricted Stock Units (RSUs), and expatriate or overseas mortgages), are £1,250. Whichever applies, the fee is payable in two stages: part on receipt of your mortgage offer and the balance on completion. Each payment is non-refundable once made. We also receive a commission from the lender, which will be shown on your mortgage illustration. We will tell you which fee applies, and when each part is payable, on our first call and confirm it in writing before any work begins. Existing Kite Mortgages clients pay no fee to remortgage their current home. Full details are on our fees page.