Mortgages for Bankers, Bonus Earners & Complex Incomes
High-street retail bank credit algorithms penalise variable City remuneration. We structure bonuses, RSUs, multi-currency pay, and director dividends to achieve borrowing up to 5.5× to 6.0× earnings.
Mortgages for Investment Bankers & Traders
From managing directors and portfolio managers to newly qualified analysts, we navigate complex compensation agreements.
Major investment banks in Canary Wharf structure remuneration across base salary, annual discretionary bonuses, deferred cash, and equity vesting schedules. High street bank branches frequently default to taking only 50% of annual bonuses or require three years of identical earnings.
Restricted Stock Units (RSUs) & Vested Shares
Only a select handful of lenders accept RSUs as declared income. We know precisely which institutions accept them and how they discount vesting tables.
If you receive substantial stock grants through Nasdaq or LSE listed employers (e.g. Goldman Sachs, Morgan Stanley, Google, Amazon, Barclays), high-street mortgage advisers often discard the share portion entirely. We present your vesting schedules, grant agreements, and P60 histories to dedicated specialist underwriters who count this equity toward your total borrowing capacity.
Million Pound Mortgages (£1M to £3M+)
Discreet, bespoke lending facilities through private banks and specialist premier teams across London.
Borrowing £1,000,000 or more generally requires approximately £182,000 in earned household income at standard 5.5× multiples, or £154,000 with specialist institutions offering 6.5×. For prime London residences, we structure hybrid repayment arrangements including part-and-part (interest-only combined with capital repayment) to preserve monthly liquidity.
| Loan Metric | High Street Typical | Open IFA Private Panel |
| Maximum Loan Multiple | 4.5× – 5.0× | 5.5× – 6.5× Combined |
| Interest-Only Element | Strictly Capped (50% LTV) | Up to 75% LTV with Repayment Plan |
| Bonus Recognition | 50% Average / Restricted | Up to 100% Documented Bonus |
| Advice Fee | £500 – £1,500+ | £0 via Multi-Advice Proposition |
Company Directors & Retained Profit
We compare personal tax returns against finalized company accounts to maximise your calculated borrowing capacity.
If you hold more than 20% to 25% equity in a limited company, mortgage lenders classify you as self-employed. Most retail advisers simply inspect your personal SA302 tax calculations (salary plus drawn dividends). If you intentionally retain net profit within the corporate balance sheet to manage personal income tax, standard bank checks artificially understate your true income.
We work with lenders who assess Salary plus Share of Net Profit after Corporation Tax, unlocking hundreds of thousands in additional borrowing without requiring unnecessary dividend withdrawals.
Retained Net Profit Assessment
Using audited finalized accounts to include undistributed company profit, dramatically expanding purchasing capacity.
First-Year Trading History
Prime lenders who consider directors or sole traders with only one full year of filed trading figures.
Contractor Multiples
Assessing day rate × 5 days × 46-48 weeks, bypassing IR35 balance sheet calculations.
Limited Company Ownership
Utilising 1 of 4 property SIC codes to shelter rental income from individual 40% income tax bands.