Offset mortgages link your savings to your loan to reduce interest. Ideal for high earners, self-employed clients, or anyone with cash reserves who wants flexibility and to pay less over time.

Buying a high-value home or have complex income? A private bank mortgage offers flexible lending for high earners, equity partners, and HNWIs whose finances don’t fit standard lender criteria.

Not all income is treated equally by lenders. Learn how bonuses, RSUs, rental income, and day rates are assessed—and how to present your earnings to boost your mortgage borrowing power.

Buying a home on a Tier 2 visa is possible — even without permanent residency. We explain how lenders assess visa holders, what documents you’ll need, and how to maximise your chances of securing a UK mortgage with a 10–25% deposit.

High earners often assume they can borrow more — but lenders focus on income structure, outgoings, and stress testing. Learn how bonuses, RSUs, and lifestyle costs impact affordability, and how to improve your borrowing potential.

Contractor or self-employed and looking for a mortgage? This guide explains how lenders assess different income structures — from day rates to dividends — and what steps you can take to strengthen your application and secure the deal you need.

Earning in a foreign currency while living in the UK? This guide explains how lenders assess overseas income, which documents you’ll need, and how to prepare your mortgage application to avoid delays and maximise approval chances.

Earning bonuses in law or finance? Learn how mortgage lenders treat bonus income, when it counts towards affordability, and how to present your case to borrow more — even after a job change.

Just made partner at a law firm? Your income structure may now look more complex to mortgage lenders. Learn how LLP income is assessed, which documents matter, and how to boost your borrowing power from day one.