M O R T G A G E G U I D E S
Mortgage Guides for City Professionals
In-depth guides on the income types and mortgage structures that matter most to City professionals. Each covers how lenders assess it, what documents you'll need, and how to position your application.
I N C O M E & C O M P E N S A T I O N
Income Guides
Bonus Income Mortgages
How lenders treat discretionary, guaranteed, and deferred bonuses — and why the averaging method matters more than the headline number.
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Equity Compensation & RSU Mortgages
RSUs, stock options, deferred stock, LTIPs, and co-invest — how lenders assess non-cash pay and which banks accept it.
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Foreign Currency Income Mortgages
Getting a UK mortgage when you’re paid in USD, EUR, CHF, or other non-GBP currencies. Haircuts, accepted currencies, and lender-by-lender policies.
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Complex Income Mortgages
Multi-source, variable, and non-standard income — how to package salary, bonus, equity, rental, and dividends for lenders.
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M O R T G A G E S T R U C T U R E S
Structure Guides
Interest-Only Mortgages
Why high earners choose interest-only — and how to structure it around complex income, bonus cycles, and repayment strategies.
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Offset Mortgages
Reduce interest without locking away bonus cash, tax reserves, or RSU proceeds. How offset structures work for irregular income.
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Large Mortgage Loans (£1m+)
Routes for borrowing above £1m — high street large-loan teams vs private banks, and what changes at higher values.
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Private Bank Mortgages
When bespoke underwriting is worth the premium — and when it isn’t. AUM requirements, relationship lending, and what private banks actually offer.
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Y O U R S I T U A T I O N
Situation Guides
Expat Mortgages
Buying a UK property from overseas or upon return — credit gaps, residency requirements, and which lenders work with expat professionals.
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Visa & Foreign National Mortgages
Skilled Worker visas, Tier 2, Global Talent — which lenders accept which visa types and what minimum remaining term they require.
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Protection for Professionals
Why employer cover leaves gaps — especially for self-employed partners, job changers, and anyone with income that’s hard to replace.
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