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.
High Loan-to-Income Refinance Using Latest Bonus Income
We helped a law firm associate refinance his home and buy out a former partner by leveraging his most recent bonus income and a high 5.5x loan-to-income multiple. Our tailored approach allowed him to maximise borrowing and stay in his property—without the disruption or cost of moving.