A young media sales exec with a modest base salary and strong commission was struggling to find a lender. We used a recent 3-month commission average to secure 5.5x income — unlocking a 90% mortgage on a £650k home with a manageable repayment structure.

A tech startup founder was repeatedly told he couldn’t borrow due to being “self-employed” with low historic income. We dug deeper, reclassified him as a PAYE employee, and unlocked a mortgage based on current earnings — helping his growing family move home.

A North London couple needed to upsize to a home requiring major renovation — but still live in their current property during the works. We structured a two-property mortgage plan using interest-only loans, bonus income, and an offset facility to make it all work smoothly.

A UK national working in Saudi Arabia was about to roll onto his lender’s standard variable rate (a much higher default rate after a fixed deal ends). We secured a new 1-year fix with his current lender just in time, saving money and locking in certainty while he remained overseas.

Two doctors with young children needed a mortgage for their dream home in Oxfordshire. We used variable locum income, maternity return projections, and an interest-only element to keep payments manageable during high childcare years — securing 85% LTV on a £900k home.

An international lawyer buying his first home in London faced challenges due to a low personal deposit, reliance on bonus income, and a long lead time to completion. We secured a competitive 90% mortgage using the developer incentive, included offer flexibility, and ensured affordability—despite limited bonus history.

A young contractor, told he needed two years of accounts, came to us seeking a 95% mortgage on a £600k property. Using his current contract and smart structuring, we secured the loan with low monthly payments—enabling him to buy now, refurbish, and remortgage on better terms later.