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.
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.
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.