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.
Barrister Mortgage: Evidencing Irregular Receipts For Affordability
Briefs, arrears, and variable fee sheets—this barrister’s earnings were anything but tidy. We evidenced sustainability and secured a suitable mortgage at pace—without over‑promising.
Tech Startup Founder Secures Mortgage Despite Low Historic Income
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.