Case Study: Law Firm Partner Uses Latest Profit Share to Secure £1.4m Mortgage
DIRECTOR AND MORTGAGE ADVISER
Specialist broker for high-earning professionals and complex income cases.
Request your fee free mortgage consultation today. No obligation, just sound advice.
Overview
Our client, a law firm partner, was purchasing a £1.9m home and required £1.4m in lending. With a substantial increase in profit share in the most recent year, they needed a lender who would look beyond the standard two-year average and instead recognise their current income trajectory.
The Challenge
Most lenders average self-employed income over two years. For this client, that approach would have reduced borrowing power significantly, as it would have pulled their income down by factoring in a lower first year. They needed a lender who could:
Consider their most recent profit share in full
Understand the pattern of income growth
Move quickly to secure the home
Speak To An Expert Today
Whatever it is, the way you tell your story online can make all the difference.
Our Solution
We used our specialist knowledge of professional income and lender criteria to:
Approach a lender willing to use the latest year’s profit share figure rather than an average.
Present clear evidence of their income growth and track record to support the case.
Secure a £1.4m mortgage on a £1.9m purchase, maximising borrowing without the delays of private banking or restrictive underwriting.
By focusing on the right lender from the start, we avoided wasted time and ensured a seamless process.
The Outcome
The client secured the full £1.4m borrowing they needed and purchased their £1.9m home. By using the latest year’s income figure, we unlocked additional borrowing power and achieved a solution that reflected their true financial position.
What Our Clients Say
What We Can Do for You
If you’re a law firm partner or self-employed professional with a rising income, we can help you find lenders who look beyond rigid two-year averages and take a more progressive approach to underwriting.
Request your fee free mortgage consultation today. No obligation, just sound advice.
Related Case Studies
YOUR HOME MAY BE REPOSESSED IF YOU DON’T KEEP UP REPAYMENTS ON YOUR MORTGAGE
Kite Mortgages is a trading style of Kite Financial Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
APPROVED BY THE OPENWORK PARTNERSHIP ON 12/08/2025