Half his deposit was a developer incentive and he had received one bonus. A high street lender accepted both — £157,500 of recognised income, £675,000 at 90% LTV, roughly 4.3x, with a new-build offer that flexes to the completion date.

A hedge fund portfolio manager on a £180k base, paid a fixed share of his book’s performance fees, needed £2.4m interest-only on a £3.25m home. A clearing bank’s large-loan team recognised £453,000 of income and lent at roughly 5.3x.

Told to wait two years for accounts, a software developer on a £575 day rate bought his first home instead. A high street contractor policy annualised the rate to £132,250 and lent £570,000 at 95% LTV, roughly 4.3x, with his renovation fund intact.

An equities trader on a £160k base and a £200k average annual bonus was ending a fix on an £850k mortgage against his £1.2m London home. A remortgage to a clearing-bank offset product recognised £260,000 of income at roughly 3.3x — and each bonus now works against the balance from the day it lands.

A hedge fund COO with half his bonus deferred needed to refinance £1.8m on a £2.5m home before his fix expired. A clearing bank counted the vested tranches paid through payroll, recognising £400,000 of income, and the remortgage completed at 4.5x.

An American VP on a Skilled Worker visa, 18 months into a London posting, needed £900,000 for a £1.2m house. A large international bank whose criteria let income override residency recognised £238,400 including his USD bonus; completed at 75% LTV.

A PE Partner refinancing £2.4m on a £3.2m home saw mainstream calculators read his carry as zero. A holistic underwrite credited a smoothed share of four years of distributions and the refinance completed interest-only at 4.8x recognised income.

A macro trader earning a £200k base with a bonus that swung between £180k and £420k needed £1.7m for a £2.3m family home. A clearing bank averaging three full years recognised £386,000 of income and agreed the loan interest-only at roughly 4.4x.

A hedge fund analyst on a £150k base needed £1.1m for a £1.4m home after his bonus fell to £120k from £270k. A lender applying 60% of a two-year average recognised £267,000 of income, and the loan completed at roughly 4.1x with the deposit unchanged.

An operating partner at a mid-market buyout firm needed £1.3m on a £1.7m home, with income spread across fixed drawings, board fees and a volatile profit share. Built on the stable layers at roughly 4.4x, it completed on mainstream large-loan terms.

A mid-market PE director needed £1.6m for a £2.1m home; salary and bonus reached £1,425,000 at most. A private bank recognised three years of crystallised co-investment gains, taking recognised income to £375,000 and the loan to roughly 4.3x.

A sole director drawing £90k while his company retained its profit needed £1.2m of borrowing. A lender assessing salary plus share of net profit after corporation tax recognised £267,570 of income, and the loan completed at just under 4.5x with no change to his dividends.

An investment banking Director secured a £990k mortgage on a £1.1m London flat at 90% LTV using multi-year bonus income. This case study shows how bonus averaging supported borrowing while retaining funds for property works.

A private equity VP secured a £1.9m mortgage on a £2.4m family home using salary and bonus income. This case study shows how part interest-only structuring and a five-year product aligned borrowing with future carry payments.

A UK-based employee of a US technology firm secured a £2.58m remortgage using USD salary, bonus, and RSUs. This case study explains how equity compensation and foreign currency income were assessed through a private banking solution.

An equity partner at a City law firm secured a £1.55m mortgage on a £1.85m family home using LLP income. This case study shows how part interest-only structuring supported affordability during a period of higher household costs.

A fixed-income trader secured a £1.5m mortgage on a £2.1m purchase using bonus-led income. This case study explains how lender selection and income structuring supported affordability despite restrictive bonus caps.

A senior finance professional returning from Singapore secured a £950k UK mortgage on a £1.45m London apartment using overseas USD income. This case study explains how foreign currency income was assessed ahead of UK relocation.

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.

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 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 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.

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.

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 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.