UK Expat Avoids Standard Variable Rate with Simple Product Switch
A UK national working in Saudi Arabia was about to roll onto his lender’s standard variable rate (a much higher default rate after a fixed deal ends). We secured a new 1-year fix with his current lender just in time, saving money and locking in certainty while he remained overseas.
Two Doctors Secure 85% LTV with Interest-Only Structure
Two doctors with young children needed a mortgage for their dream home in Oxfordshire. We used variable locum income, maternity return projections, and an interest-only element to keep payments manageable during high childcare years — securing 85% LTV on a £900k home.
Italian CTO of Multinational Firm Living Between Zurich and London
An Italian CTO earning in Swiss francs and living between Zurich and London needed to refinance his UK home. We secured a competitive high street mortgage using 100% of his foreign income—overcoming currency and age-related challenges to replace an inflexible international loan with a cost-effective long-term solution.
Securing £2.48m in High-LTV Borrowing for Newly Made-Up Law Firm Partner
We helped a newly promoted non-equity partner at a US-headquartered law firm secure a £2.48m mortgage on an £3.1m purchase. By structuring the loan with a mix of repayment and interest-only borrowing, we kept monthly costs manageable while meeting complex income requirements including USD bonus earnings.
High Loan-to-Income Refinance Using Latest Bonus Income
We helped a law firm associate refinance his home and buy out a former partner by leveraging his most recent bonus income and a high 5.5x loan-to-income multiple. Our tailored approach allowed him to maximise borrowing and stay in his property—without the disruption or cost of moving.
First-Time Buyer Lawyer Secures 90% Mortgage on New Build with Developer Incentive
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.
First-Time Buyer Day-Rate Contractor Secures 95% Mortgage for £600k Property
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.