Law Firm Partner Uses Latest Profit Share to Secure £1.4m Mortgage
A law firm partner buying a £1.9m home needed £1.4m in lending. We secured a lender who used their latest year’s profit share — instead of averaging two years — unlocking the borrowing needed and delivering a deal that matched their career trajectory.
Tier 2 Visa Dentist Buys £1.3m Home with 15% Deposit
A dentist on a Tier 2 visa bought their first UK home for £1.3m with a 15% deposit. We secured an £1.1m mortgage, managed the process end-to-end for this time-poor professional, and found a lender that understood both their visa and high-value borrowing needs.
Contractor with 6 Months’ Experience Secures £540k Mortgage on £650k Home
A contractor with only six months’ experience and no accounts was told to wait. We used day rate × 5 × 46 to evidence income and secured 5x that figure — delivering a £540k mortgage on a £650k home so he could buy now instead of delaying.
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.
Newly Promoted Equity Partner Secures £1.5m Mortgage with Mainstream Lender
A newly promoted equity partner at a US law firm needed £1.5m quickly to buy a £2m home. We used fixed drawings plus projected profit share to secure a better deal than a private bank, leveraging our lender contacts to fast-track approval and win the property.
USD LLC Income Couple Remortgage to Fund Home Improvements
US-UK couple, paid in USD via a US LLC, were declined by their bank. We evidenced stable net profits and distributions, matched them with a lender that accepts foreign currency income, and secured a remortgage to release equity for major renovations.
First-Time Buyer Uses Commission to Borrow 5.5x Income
A young media sales exec with a modest base salary and strong commission was struggling to find a lender. We used a recent 3-month commission average to secure 5.5x income — unlocking a 90% mortgage on a £650k home with a manageable repayment structure.
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.
Upsizing with Offset Mortgage and Renovation Funding
A North London couple, one an in-house lawyer and the other a software engineer, needed to upsize to a home requiring major renovation — but still live in their current property during the works. We structured a two-property mortgage plan using interest-only loans, bonus income, and an offset facility to make it all work smoothly.
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.