Italian CTO of Multinational Firm Living Between Zurich and London
Paid CHF 480,000 in Zurich, living in Twickenham, mid-fifties: three reasons most lenders hesitate. One high street lender counted the converted £428,500 in full and refinanced £730,000 over a 14-year term, with unlimited overpayments to finish early.
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.
US Tech Employee Based in the UK Secures £2.58m Remortgage Using USD Income and Equity Compensation
A UK-based employee of a US technology firm secured a £2.58m remortgage using USD salary, bonus, and RSUs. This case study explains how equity compensation and foreign currency income were assessed through a private banking solution.
Returning Expat Secures £950k UK Mortgage on £1.45m Purchase Using Foreign Currency Income
A senior finance professional returning from Singapore secured a £950k UK mortgage on a £1.45m London apartment using overseas USD income. This case study explains how foreign currency income was assessed ahead of UK relocation.
Returning Expat With USD Salary Secures £1.6m Purchase At 65%
Returning British expat paid in USD, thin UK credit, and a 60-day deadline. We secured a lender that accepts foreign income with a haircut, used a US credit report, and ran a pre-arrival application—agreeing the mortgage at 65% LTV on a £1.6m home.
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.
EU National with Euro Income Remortgages to Fund Home Extension
A UK-based EU national remortgaged to release equity for a home extension. We secured a lender who applied only a 10% haircut to their euro income, maximising borrowing and allowing their renovation plans to move forward without compromise.
Euro-Paid Tech Executive Secures 90% Mortgage on £825k SW London Home
A euro-paid tech executive buying his first home needed a 90% mortgage on an £825k property. We used our foreign currency expertise and extended the term to age 75, guiding him through the process so he could relax knowing his mortgage was in safe hands.
USD LLC Income Couple Remortgage to Fund Home Improvements
US-UK couple, paid in USD via a US LLC, were declined by their bank. We evidenced stable net profits and distributions, matched them with a lender that accepts foreign currency income, and secured a remortgage to release equity for major renovations.