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.