An international lawyer buying his first home in London faced challenges due to a low personal deposit, reliance on bonus income, and a long lead time to completion. We secured a competitive 90% mortgage using the developer incentive, included offer flexibility, and ensured affordability—despite limited bonus history.

A young contractor, told he needed two years of accounts, came to us seeking a 95% mortgage on a £600k property. Using his current contract and smart structuring, we secured the loan with low monthly payments—enabling him to buy now, refurbish, and remortgage on better terms later.