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.
Big Tech Principal Engineer Uses Back-Loaded RSU Vesting to Borrow £1.3m as Base Caps Out
A Big Tech Principal Engineer whose base had sat at £200k for three years needed £1.3m for a £1.75m Sevenoaks home. A building society counted half of his latest twelve months of vested RSUs, recognised £290,000 of income and lent at roughly 4.5x.
First-Time Buyer Day-Rate Contractor Secures 95% Mortgage for £600k Property
Told to wait two years for accounts, a software developer on a £575 day rate bought his first home instead. A high street contractor policy annualised the rate to £132,250 and lent £570,000 at 95% LTV, roughly 4.3x, with his renovation fund intact.
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.
RSU Mortgage UK: Mortgage Approved With Vested RSUs
A senior software engineer on £95k with quarterly RSU vesting bought a £900k house. By averaging 12–24 months of vested RSUs and packaging award letters, brokerage statements and payslips, we evidenced sustainable equity income—resulting in approval with a part interest-only structure.
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.
Tech Startup Founder Secures Mortgage Despite Low Historic Income
A tech startup founder was repeatedly told he couldn’t borrow due to being “self-employed” with low historic income. We dug deeper, reclassified him as a PAYE employee, and unlocked a mortgage based on current earnings — helping his growing family move home.