A B O U T K I T E M O R T G A G E S
About Kite Mortgages
Specialist mortgage broker for City professionals. We exist because complex income deserves specialist advice — and because most brokers don't understand it well enough to give it.
T H E P R O B L E M Most brokers handle complex income occasionally.
We handle it every day.
Bonuses, RSUs, carried interest, partnership drawings, foreign currency — these are the income structures our clients are paid in. Most mortgage brokers encounter them from time to time. They take the case, give it their best shot, and sometimes it works. Often, it doesn't work as well as it could.
The difference isn't effort. It's familiarity. A broker who processes one carried interest case a year can't know what a broker who processes twenty of them knows — which lenders accept it, how they calculate it, what documentation to lead with, and when to leave it off the application entirely.
That gap is where Kite Mortgages operates.
"Building a specialist firm means turning good work away. That's uncomfortable at first — until you see what it does to the quality of the work you keep."
David Walsh, Founder
W H A T W E B E L I E V EFour things that shape how we work
These aren't values on a wall. They're decisions we've made about what kind of firm Kite Mortgages is — and isn't
W H O W E W O R K W I T HCity professionals with complex income
We work with six types of professional. Each has its own income structures, lender challenges, and documentation requirements. If you're unsure whether your situation fits, get in touch — we'll tell you honestly.
Lawyers & Law Firm Partners
LLP structures, variable profit share, partnership drawings, and the transition from salaried associate to equity partner — each changes how lenders assess you.
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Investment Banking Professionals
Bonus-heavy pay, deferred compensation, and sign-on packages. How lenders treat your total comp varies significantly — the right one makes a material difference.
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Private Equity Professionals
Carried interest, co-invest returns, and partnership structures that most mainstream lenders won’t touch. Knowing which ones will — and how — is what we do.
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Hedge Fund Professionals
Performance-linked bonuses, year-on-year variability, and fund-specific structures. Income that looks different every year needs a lender who won’t penalise the volatility.
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Trading & Investment Professionals
Base salary is often a fraction of total pay. Risk-based bonuses and market-linked compensation need careful positioning to maximise what lenders will use.
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Tech & Product Leaders
RSUs, stock options, and equity compensation that most high street lenders don’t know how to assess. Whether it’s vested, unvested, or recently cashed changes everything.
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