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.
Day‑Rate Contractor Mortgage: Using Day‑Rate To Maximise Affordability
With renewals and short gaps, this IT contractor needed day‑rate treatment. We evidenced continuity, explained the gaps, and matched them with a lender that assesses on day‑rate—securing borrowing aligned to realistic annualised earnings.
Professional Mortgages For Solicitors: Newly Qualified First Time Buyer
A newly qualified solicitor with limited employment history needed clarity and pace. We used her offer letter and first payslips, applied professional‑criteria know‑how, and packaged a clean, conservative case—helping a mainstream lender say yes without over‑promising.
Barrister Mortgage: Evidencing Irregular Receipts For Affordability
Briefs, arrears, and variable fee sheets—this barrister’s earnings were anything but tidy. We evidenced sustainability and secured a suitable mortgage at pace—without over‑promising.
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.
Equity Partner Buys £1.5m Home With Complex Drawings
A newly made‑up equity partner needed a high‑value mortgage against uneven drawings and profit share. We evidenced sustainability, clarified tax and capital contributions, and matched them with a lender that considers partner income—without overstretching.
IT Sales Director and Teacher Borrow 5.5x Income to Upsize Family Home
An IT Sales Director and Teacher with two children needed £800k to upsize to a £1.2m home. We secured 5.5x income using 100% of bonuses and structured part of the loan on interest-only — keeping monthly payments affordable with a plan to reduce the balance using future bonuses.
Returning Expat Buys UK Home with £800k Mortgage
A UK expat returning from Dubai secured an £800k mortgage using their UK employment contract. By avoiding the need to rent first, they moved straight into their new home — making their transition back to the UK smooth and stress-free.
First-Time Buyer Legal Associate Uses Bonus to Boost Borrowing by £175k
A newly qualified legal associate and their partner, both first-time buyers, used 60% of a single year’s bonus to boost borrowing by £175k. This transformed their options, allowing them to buy a flat with a second bedroom and a garden instead of compromising on space.
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.
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.