Investment Banking Associate Secures £930k Mortgage on £1.1m First Home at 6x Base Salary, Sign-On Bonus Excluded
An M&A associate had just moved banks with a £60k sign-on and a £90k guaranteed bonus. Neither counted. Her first home, £930k on a £1.1m Earlsfield house at under 85% LTV, was placed at 6x her £155k base salary alone.
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.
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.
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.
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.
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.
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.
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.
Banker Bonus Mortgage - USD Bonus Used to Borrow 5.2× Income
An investment banking associate on £120k base with a USD bonus needed 75% LTV on a £1.25m flat. We used a two-year average bonus, applied a foreign currency haircut, and built a strong evidence pack—resulting in c.5.2× income and a successful offer.
IT Sales Director and Teacher Borrow 5.5x Income to Upsize Family Home
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.
First-Time Buyer Legal Associate Uses Bonus to Boost Borrowing by £175k
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.
First-Time Buyer Uses Commission to Borrow 5.5x Income
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.