PE Partner Refinances £2.4m on £3.2m Home Using Carry Distributions
A PE Partner refinancing £2.4m on a £3.2m home saw mainstream calculators read his carry as zero. A holistic underwrite credited a smoothed share of four years of distributions and the refinance completed interest-only at 4.8x recognised income.
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.
High Net Worth Borrower Secures £3m Interest-Only Facility Using Investment-Backed Repayment Plan
HNW client, strong liquid assets but modest declared income, needed £3m for a £5m townhouse. We placed assets under management, built an asset-based underwrite and used an investment portfolio as the repayment plan—securing a bespoke interest-only facility at 60% LTV.
Two Doctors Secure 85% LTV with Interest-Only Structure
Two doctors with young children needed a mortgage for their dream home in Oxfordshire. We used variable locum income, maternity return projections, and an interest-only element to keep payments manageable during high childcare years — securing 85% LTV on a £900k home.