High Loan-to-Income Refinance Using Latest Bonus Income
Standard bonus averaging supported £791,000; the buyout needed £1.24m. A clearing bank recognised £235,000 of income, the full latest bonus, and lent at roughly 5.3x, keeping her in the family home and her former partner’s share released in full.
Solicitor Couple Reach £1.45m at a 6x Professional Multiple
Two solicitors on £242,000 of combined basic salary needed £1.45m for a £1.725m St Albans house. At 4.49x and 5.5x they fell short. A professional range at up to 6x lent the full amount at 84% LTV, once the deposit was resized to fit the band.
First-Time Buyer Lawyer Secures 90% Mortgage on New Build with Developer Incentive
Half his deposit was a developer incentive and he had received one bonus. A high street lender accepted both — £157,500 of recognised income, £675,000 at 90% LTV, roughly 4.3x, with a new-build offer that flexes to the completion date.
Hedge Fund Portfolio Manager Secures £2.4m Interest-Only Mortgage on £3.25m Home Using Performance-Linked Pay
A hedge fund portfolio manager on a £180k base, paid a fixed share of his book’s performance fees, needed £2.4m interest-only on a £3.25m home. A clearing bank’s large-loan team recognised £453,000 of income and lent at roughly 5.3x.
First-Time Buyer Day-Rate Contractor Secures 95% Mortgage for £600k Property
Told to wait two years for accounts, a software developer on a £575 day rate bought his first home instead. A high street contractor policy annualised the rate to £132,250 and lent £570,000 at 95% LTV, roughly 4.3x, with his renovation fund intact.
Equities Trader Switches £850k Mortgage on £1.2m Home to Offset on Bonus-Heavy Income
An equities trader on a £160k base and a £200k average annual bonus was ending a fix on an £850k mortgage against his £1.2m London home. A remortgage to a clearing-bank offset product recognised £260,000 of income at roughly 3.3x — and each bonus now works against the balance from the day it lands.
Hedge Fund COO Refinances £1.8m on £2.5m Home Using Vested Deferred Compensation
A hedge fund COO with half his bonus deferred needed to refinance £1.8m on a £2.5m home before his fix expired. A clearing bank counted the vested tranches paid through payroll, recognising £400,000 of income, and the remortgage completed at 4.5x.
US Banker on Skilled Worker Visa Secures £900k Mortgage on £1.2m Purchase Using USD Bonus
An American VP on a Skilled Worker visa, 18 months into a London posting, needed £900,000 for a £1.2m house. A large international bank whose criteria let income override residency recognised £238,400 including his USD bonus; completed at 75% LTV.
PE Partner Refinances £2.4m on £3.2m Home Using Carry Distributions
A PE Partner refinancing £2.4m on a £3.2m home saw mainstream calculators read his carry as zero. A holistic underwrite credited a smoothed share of four years of distributions and the refinance completed interest-only at 4.8x recognised income.
Macro Trader Secures £1.7m Interest-Only Mortgage on £2.3m Home Using Multi-Year Bonus
A macro trader earning a £200k base with a bonus that swung between £180k and £420k needed £1.7m for a £2.3m family home. A clearing bank averaging three full years recognised £386,000 of income and agreed the loan interest-only at roughly 4.4x.
Hedge Fund Analyst Secures £1.1m Mortgage on £1.4m Home Using Multi-Year Bonus History
A hedge fund analyst on a £150k base needed £1.1m for a £1.4m home after his bonus fell to £120k from £270k. A lender applying 60% of a two-year average recognised £267,000 of income, and the loan completed at roughly 4.1x with the deposit unchanged.
Buyout Fund Operating Partner Secures £1.3m Mortgage on £1.7m Home Despite Variable Income
An operating partner at a mid-market buyout firm needed £1.3m on a £1.7m home, with income spread across fixed drawings, board fees and a volatile profit share. Built on the stable layers at roughly 4.4x, it completed on mainstream large-loan terms.
Mid-Market PE Director Secures £1.6m Mortgage on £2.1m Home Using Co-Investment Equity
A mid-market PE director needed £1.6m for a £2.1m home; salary and bonus reached £1,425,000 at most. A private bank recognised three years of crystallised co-investment gains, taking recognised income to £375,000 and the loan to roughly 4.3x.
Limited Company Director Borrows £1.2m on Retained Profit, Not Dividends
A sole director drawing £90k while his company retained its profit needed £1.2m of borrowing. A lender assessing salary plus share of net profit after corporation tax recognised £267,570 of income, and the loan completed at just under 4.5x with no change to his dividends.
Investment Banking Director Secures £990k Mortgage on £1.1m Purchase Using Multi-Year Bonus History
An investment banking Director secured a £990k mortgage on a £1.1m London flat at 90% LTV using multi-year bonus income. This case study shows how bonus averaging supported borrowing while retaining funds for property works.
Private Equity VP Secures £1.9m Mortgage on £2.4m Purchase Despite Irregular Carry Payments
A private equity VP secured a £1.9m mortgage on a £2.4m family home using salary and bonus income. This case study shows how part interest-only structuring and a five-year product aligned borrowing with future carry payments.
US Tech Employee Based in the UK Secures £2.58m Remortgage Using USD Income and Equity Compensation
A UK-based employee of a US technology firm secured a £2.58m remortgage using USD salary, bonus, and RSUs. This case study explains how equity compensation and foreign currency income were assessed through a private banking solution.
Equity Partner at City Law Firm Secures £1.55m Mortgage on £1.85m Family Home Using LLP Income
An equity partner at a City law firm secured a £1.55m mortgage on a £1.85m family home using LLP income. This case study shows how part interest-only structuring supported affordability during a period of higher household costs.
Fixed-Income Trader Secures £1.5m Mortgage on £2.1m Purchase Using Bonus-Led Income
A fixed-income trader secured a £1.5m mortgage on a £2.1m purchase using bonus-led income. This case study explains how lender selection and income structuring supported affordability despite restrictive bonus caps.
Returning Expat Secures £950k UK Mortgage on £1.45m Purchase Using Foreign Currency Income
A senior finance professional returning from Singapore secured a £950k UK mortgage on a £1.45m London apartment using overseas USD income. This case study explains how foreign currency income was assessed ahead of UK relocation.