Securing £2.48m in High-LTV Borrowing for Newly Made-Up Law Firm Partner
Four months into partnership, paid entirely in USD, and needing £2.48m at 80% LTV. An international bank’s large-loan team worked from the firm’s own schedule, applied no currency haircut and recognised £550,000 of income, roughly 4.5x.
Solicitor Couple Reach £1.45m at a 6x Professional Multiple
Two solicitors on £242,000 of combined basic salary needed £1.45m for a £1.725m St Albans house. At 4.49x and 5.5x they fell short. A professional range at up to 6x lent the full amount at 84% LTV, once the deposit was resized to fit the band.
Hedge Fund Portfolio Manager Secures £2.4m Interest-Only Mortgage on £3.25m Home Using Performance-Linked Pay
A hedge fund portfolio manager on a £180k base, paid a fixed share of his book’s performance fees, needed £2.4m interest-only on a £3.25m home. A clearing bank’s large-loan team recognised £453,000 of income and lent at roughly 5.3x.
Hedge Fund COO Refinances £1.8m on £2.5m Home Using Vested Deferred Compensation
A hedge fund COO with half his bonus deferred needed to refinance £1.8m on a £2.5m home before his fix expired. A clearing bank counted the vested tranches paid through payroll, recognising £400,000 of income, and the remortgage completed at 4.5x.
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.
Hedge Fund Analyst Secures £1.1m Mortgage on £1.4m Home Using Multi-Year Bonus History
A hedge fund analyst on a £150k base needed £1.1m for a £1.4m home after his bonus fell to £120k from £270k. A lender applying 60% of a two-year average recognised £267,000 of income, and the loan completed at roughly 4.1x with the deposit unchanged.
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.
Mid-Market PE Director Secures £1.6m Mortgage on £2.1m Home Using Co-Investment Equity
A mid-market PE director needed £1.6m for a £2.1m home; salary and bonus reached £1,425,000 at most. A private bank recognised three years of crystallised co-investment gains, taking recognised income to £375,000 and the loan to roughly 4.3x.
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.
Private Equity VP Secures £1.9m Mortgage on £2.4m Purchase Despite Irregular Carry Payments
A private equity VP secured a £1.9m mortgage on a £2.4m family home using salary and bonus income. This case study shows how part interest-only structuring and a five-year product aligned borrowing with future carry payments.
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.
Equity Partner at City Law Firm Secures £1.55m Mortgage on £1.85m Family Home Using LLP Income
An equity partner at a City law firm secured a £1.55m mortgage on a £1.85m family home using LLP income. This case study shows how part interest-only structuring supported affordability during a period of higher household costs.
Fixed-Income Trader Secures £1.5m Mortgage on £2.1m Purchase Using Bonus-Led Income
A fixed-income trader secured a £1.5m mortgage on a £2.1m purchase using bonus-led income. This case study explains how lender selection and income structuring supported affordability despite restrictive bonus caps.
Partner of UK Law Firm Secures £2.25m Family Home Using Partnership Income and Interest-Only Structuring
An established equity partner at a UK law firm secured a £2.25m family home using fixed drawings and partnership profit share. This case shows how lender selection and part interest-only structuring supported uneven income and long-term affordability.
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.
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.
City Lawyer With LLP Profit Share Buys London Family Home
A City lawyer and LLP partner with £420k variable profit share bought a £2.1m London family home at 60% LTV. We targeted a lender that may average three years’ profits, clarified the capital account, and structured part interest-only with an evidenced repayment plan.
Law Firm Partner Chooses Private Bank Over High Street For A £2m Mortgage
A senior partner had to choose between a private bank and a high‑street lender for £2m. The private bank’s full interest‑only structure won—keeping monthly payments steady and letting annual profit share reduce the balance without hassle.