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.
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.
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.