Partner of UK Law Firm Secures £2.25m Family Home Using Partnership Income and Interest-Only Structuring
An established equity partner at a UK law firm secured a £2.25m family home using fixed drawings and partnership profit share. This case shows how lender selection and part interest-only structuring supported uneven income and long-term affordability.
High Net Worth Borrower Secures £3m Interest-Only Facility Using Investment-Backed Repayment Plan
HNW client, strong liquid assets but modest declared income, needed £3m for a £5m townhouse. We placed assets under management, built an asset-based underwrite and used an investment portfolio as the repayment plan—securing a bespoke interest-only facility at 60% LTV.
Newly Qualified Solicitor Secures £750k First Home Before Probation Completion
Newly qualified solicitor on £110k, buying a £750k flat while in probation. We targeted a lender that may accept a signed contract and start date, leveraged a strong deposit, and packaged the case cleanly—securing an offer before probation completed.
Locum Consultant Doctor Uses Mixed NHS and Private Income to Secure £1.2m Family Home
Locum consultant doctor with £140k mixed NHS/private income secured a £770k mortgage on a £1.2m home. We used 12–24 month averaging, full contract history and locum-friendly criteria to align with a mainstream lender—delivering a clean, timely approval.
Company Director Uses Retained Profits to Secure £1m Purchase Without Drawing Dividends
Director–shareholder, £60k salary and £120k retained profits, needed £1m borrowing without ramping dividends. We targeted a lender that may use salary + share of net profit, evidenced sustainability, and explained a one-off expense—achieving approval at an effective 5× multiple.
Consultant Contractor Secures £1.1m Purchase Using Day-Rate Assessment at 75% LTV
Management consultant contractor on £650/day (PSC), two-month gap, and IR35 scrutiny. We used day-rate modelling, a credible gap narrative, and an accountant’s letter to align with mainstream policy—achieving approval at 75% LTV on a £1.1m home.
Returning Expat With USD Salary Secures £1.6m Purchase At 65%
Returning British expat paid in USD, thin UK credit, and a 60-day deadline. We secured a lender that accepts foreign income with a haircut, used a US credit report, and ran a pre-arrival application—agreeing the mortgage at 65% LTV on a £1.6m home.
Skilled Worker Visa Holder Buys With Spouse: £800k New-Build Offer Secured In 10 Working Days
Skilled Worker and Spouse visa clients, £160k income, <18 months in the UK, needed a fast new-build purchase at £800k. We shortlisted a lender comfortable with shorter residency, secured a rapid AIP, perfected the AML trail—and achieved a full offer inside 10 working days.
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.
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.