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.
Partner of UK Law Firm Secures £2.25m Family Home Using Partnership Income and Interest-Only Structuring
An established equity partner at a UK law firm secured a £2.25m family home using fixed drawings and partnership profit share. This case shows how lender selection and part interest-only structuring supported uneven income and long-term affordability.
High Net Worth Borrower Secures £3m Interest-Only Facility Using Investment-Backed Repayment Plan
HNW client, strong liquid assets but modest declared income, needed £3m for a £5m townhouse. We placed assets under management, built an asset-based underwrite and used an investment portfolio as the repayment plan—securing a bespoke interest-only facility at 60% LTV.
Newly Qualified Solicitor Secures £750k First Home Before Probation Completion
Newly qualified solicitor on £110k, buying a £750k flat while in probation. We targeted a lender that may accept a signed contract and start date, leveraged a strong deposit, and packaged the case cleanly—securing an offer before probation completed.
Locum Consultant Doctor Uses Mixed NHS and Private Income to Secure £1.2m Family Home
Locum consultant doctor with £140k mixed NHS/private income secured a £770k mortgage on a £1.2m home. We used 12–24 month averaging, full contract history and locum-friendly criteria to align with a mainstream lender—delivering a clean, timely approval.
Company Director Uses Retained Profits to Secure £1m Purchase Without Drawing Dividends
Director–shareholder, £60k salary and £120k retained profits, needed £1m borrowing without ramping dividends. We targeted a lender that may use salary + share of net profit, evidenced sustainability, and explained a one-off expense—achieving approval at an effective 5× multiple.
Consultant Contractor Secures £1.1m Purchase Using Day-Rate Assessment at 75% LTV
Management consultant contractor on £650/day (PSC), two-month gap, and IR35 scrutiny. We used day-rate modelling, a credible gap narrative, and an accountant’s letter to align with mainstream policy—achieving approval at 75% LTV on a £1.1m home.
Returning Expat With USD Salary Secures £1.6m Purchase At 65%
Returning British expat paid in USD, thin UK credit, and a 60-day deadline. We secured a lender that accepts foreign income with a haircut, used a US credit report, and ran a pre-arrival application—agreeing the mortgage at 65% LTV on a £1.6m home.
Skilled Worker Visa Holder Buys With Spouse: £800k New-Build Offer Secured In 10 Working Days
Skilled Worker and Spouse visa clients, £160k income, <18 months in the UK, needed a fast new-build purchase at £800k. We shortlisted a lender comfortable with shorter residency, secured a rapid AIP, perfected the AML trail—and achieved a full offer inside 10 working days.
RSU Mortgage UK: Mortgage Approved With Vested RSUs
A senior software engineer on £95k with quarterly RSU vesting bought a £900k house. By averaging 12–24 months of vested RSUs and packaging award letters, brokerage statements and payslips, we evidenced sustainable equity income—resulting in approval with a part interest-only structure.