A newly made‑up equity partner needed a high‑value mortgage against uneven drawings and profit share. We evidenced sustainability, clarified tax and capital contributions, and matched them with a lender that considers partner income—without overstretching.

An IT Sales Director and Teacher with two children needed £800k to upsize to a £1.2m home. We secured 5.5x income using 100% of bonuses and structured part of the loan on interest-only — keeping monthly payments affordable with a plan to reduce the balance using future bonuses.

A UK expat returning from Dubai secured an £800k mortgage using their UK employment contract. By avoiding the need to rent first, they moved straight into their new home — making their transition back to the UK smooth and stress-free.

A newly qualified legal associate and their partner, both first-time buyers, used 60% of a single year’s bonus to boost borrowing by £175k. This transformed their options, allowing them to buy a flat with a second bedroom and a garden instead of compromising on space.

A UK-based EU national remortgaged to release equity for a home extension. We secured a lender who applied only a 10% haircut to their euro income, maximising borrowing and allowing their renovation plans to move forward without compromise.

A law firm partner buying a £1.9m home needed £1.4m in lending. We secured a lender who used their latest year’s profit share — instead of averaging two years — unlocking the borrowing needed and delivering a deal that matched their career trajectory.

A dentist on a Tier 2 visa bought their first UK home for £1.3m with a 15% deposit. We secured an £1.1m mortgage, managed the process end-to-end for this time-poor professional, and found a lender that understood both their visa and high-value borrowing needs.

A contractor with only six months’ experience and no accounts was told to wait. We used day rate × 5 × 46 to evidence income and secured 5x that figure — delivering a £540k mortgage on a £650k home so he could buy now instead of delaying.

A euro-paid tech executive buying his first home needed a 90% mortgage on an £825k property. We used our foreign currency expertise and extended the term to age 75, guiding him through the process so he could relax knowing his mortgage was in safe hands.

US-UK couple, paid in USD via a US LLC, were declined by their bank. We evidenced stable net profits and distributions, matched them with a lender that accepts foreign currency income, and secured a remortgage to release equity for major renovations.

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 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 Italian CTO earning in Swiss francs and living between Zurich and London needed to refinance his UK home. We secured a competitive high street mortgage using 100% of his foreign income—overcoming currency and age-related challenges to replace an inflexible international loan with a cost-effective long-term solution.

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.