Mortgages for high earners in 2026 – How Much Can You Really Borrow?
As an award-winning high net worth mortgage broker, we specialise in arranging large residential and investment mortgages for professionals and business owners earning between £75,000 and £1,000,000 + a year. Whether you’re a surgeon, City partner, tech executive or successful entrepreneur, understanding how far your income can stretch is essential before you start viewing properties.
High earner mortgages can also be relevant for first time buyers entering the property market at higher price points.
Let us give you the immediate answer: for most high earners in 2026, realistic income multiples tend to sit between 4.5x and 6x annual salary. The much-discussed 7x salary mortgage? That’s only achievable in rare, highly structured private bank cases we put together, where significant assets and investment relationships are already in place, or with specialist lenders and you wouldn’t like the rates of anyway.
We work with clients across the UK – London, Bristol, Manchester, Edinburgh and beyond – and this article uses current 2026 lending criteria. At Fox Davidson we specialise in all types of finance including Ltd company buy to let, commercial & semi-commercial mortgages, bridging and property development finance. However, this guide concentrates specifically on high earner residential borrowing power for mortgages on a main residence or second home in the UK.
Working with a specialist mortgage adviser can help high earners, including first time buyers, navigate complex borrowing options.
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What Is a “High Earner” for UK Mortgage Purposes in 2026?
The term “high earner” means different things to different lenders and it’s not the same as how HMRC might categorise you for tax purposes. From a mortgage perspective, it’s about where enhanced lending criteria and higher income multiples become available.
Most mainstream lenders begin treating applicants as high earners when they reach:
- £75,000–£100,000+ individual income, or
- £120,000–£150,000+ joint income
At these levels, you may qualify for enhanced income multiples beyond the standard 4.5x that typical borrowers receive. Lenders decide how much they are willing to lend by assessing your income, assets, and overall financial profile, applying their own criteria and maximum borrowing limits.
There’s also an important distinction between “high earner” and “high net worth individual” under FCA rules. High net worth individuals are defined as those with an annual net income of over £300,000 or assets totaling £3 million or more. This classification opens up additional flexibility, including access to unregulated lending products where appropriate. Additionally, a high net worth mortgage is typically for individuals with a mortgage amount over £1 million.
Common professions we work with include:
- Consultants, surgeons, GPs and dentists
- Partners in law, accountancy and consulting firms
- Tech executives and senior developers
- City professionals and investment bankers
- Senior civil servants and public sector leaders
- Successful contractors and business owners
Income Band | Typical Maximum Multiple (2026) | Notes |
|---|---|---|
£75,000–£100,000 | 4.5x–5x | Enhanced multiples available with strong profile |
£100,000–£150,000 | 4.75x–5.5x | More lenders offer enhanced criteria |
£150,000–£250,000 | 5x–5.75x | Private bank options become attractive |
£250,000+ | 5x–6x+ | Bespoke structuring; asset-based lending possible |
How Many Times Your Salary Can You Borrow in 2026?
We need to be direct here: 7x salary mortgages are exceptionally rare. The practical norm for high earners remains around 4.5x–5.5x, with a growing pool of lenders now offering up to 6x income, for the right profiles.
Lenders start from a base income multiple – typically 4.5x – but then adjust based on:
- Stress-tested affordability at rates above the pay rate
- Existing debts and credit commitments
- Number of dependants and childcare costs
- Future rate assumptions over a 5-year horizon
Here’s how borrowing capacity typically breaks down across income levels:
Annual Income | 4.5x Multiple | 5x Multiple | 5.5x Multiple | 6x Multiple |
|---|---|---|---|---|
£80,000 | £360,000 | £400,000 | £440,000 | £480,000 |
£150,000 | £675,000 | £750,000 | £825,000 | £900,000 |
£300,000 | £1,350,000 | £1,500,000 | £1,650,000 | £1,800,000 |
A few practical examples:
- A £150,000 salary could potentially support £675,000–£900,000 borrowing, depending on deposit size and monthly outgoings
- Joint applicants on £200,000 combined might access £1m–£1.1m with a higher income multiple lender
- A £300,000 earner with minimal debts could realistically target £1.5m–£1.65m from the right lender
Some lenders may allow high earners or certain customer groups, such as Premier customers or first-time buyers, to borrow a higher amount than standard lending limits, depending on their profile. This is sometimes automatically reflected in the lender’s mortgage calculator.
One important caveat: some lenders cap large loans at lower multiples even for high earners. For example, a lender might offer 5.5x up to £1m but revert to 4.5x above that threshold. Other lenders stretch more at the top end if your overall case is strong – clean credit history, substantial deposit, and stable employment.
Can You Really Get a Mortgage at 6–7 Times Your Income?
Absolutely, but you have to fit criteria:
- 6x income is available to high earners with clean credit profiles
- 7x income is typically reserved for private banking relationships and is often tied to assets under management or significant investment relationships with the bank or specialist lenders offering mortgages for professionals.
The post-2021/2023 regulatory attention and current 2026 rate environment mean lenders remain cautious about very high income multiples, particularly on longer terms where affordability risk compounds.
Typical Criteria for 6x Income Cases
To access 6x income lending, you’ll generally need:
- Base salary of £75,000–£100,000+ (some lenders require £100,000+)
- Stable employment in secure sectors (medicine, law, established finance)
- Strong credit history with no adverse credit in the last 3–6 years
- Low unsecured debt relative to income
- 15–25% deposit (some lenders cap LTV at 75–80% for maximum multiples)
How 7x Structures Work
When 7x-type lending is available, it’s typically structured as:
- Interest-only or part-and-part repayment
- A clear repayment strategy such as vested stock options, maturing bonus schemes, sale of an investment property, or other liquid assets
- Often requires placing assets under management with the private bank
Case Study: City Partner Securing 5.75x
We recently worked with a partner at a City law firm earning £320,000 base plus £180,000 average annual profit share. She wanted to purchase a £2.8m property in South West London with a 20% deposit. High street lenders capped her at 4.5x base salary (£1.44m), which left her significantly short.
Through a private bank relationship, we structured a facility based on her total wealth position: £1.2m in investments, £400,000 equity in an existing property, and strong evidence of sustainable earnings. The bank offered 5.75x effective multiple on a part-and-part basis, providing the £2.24m loan she needed. The monthly payments were manageable given her disposable income, and the interest-only element aligned with her planned liquidity event when her partnership capital vests in eight years.
Eligibility: Which High Earners Can Secure Higher Income Multiples?
Earning a substantial annual income doesn’t automatically mean maximum borrowing. Lenders look for “quality” of income and long-term sustainability, not just the headline figure.
Profiles that often qualify for enhanced multiples include:
- Senior employed professionals with guaranteed base salaries and modest variable pay
- NHS consultants, GPs and dentists with established track records
- Partners in law, accountancy and consulting firms with documented profit share
- Tech and finance executives with strong base salary plus consistent bonus payments
First time buyers and time buyers with strong financial profiles may also be eligible for higher income multiples, especially when working with a mortgage adviser who can help navigate deposit requirements, loan-to-value ratios, and eligibility criteria.
How Variable Income Is Treated
Variable income such as bonuses, commission, overtime, is typically “shaded” by lenders. Most will use 50–60% of the average over 2–3 years, which can significantly affect your maximum loan size.
For example, if your bonus has averaged £80,000 over three years, a lender might only recognise £40,000–£48,000 of that for affordability purposes. This is why applicants with higher base salaries relative to variable pay often achieve better multiples.
Some lenders offer professional mortgages with enhanced income multiples specifically designed for:
- Doctors and surgeons
- Solicitors and barristers
- Accountants and actuaries
- Architects and chartered surveyors
Documentation Requirements
To support a high earner mortgage application, you’ll typically need to provide documents including:
- Last 3 months’ payslips and most recent P60
- Bonus letters or confirmation of variable pay structure
- Employment contract showing salary and benefits
- For business owners: at least 2 years of business accounts, SA302 tax calculations, and tax returns
- Evidence of deposit source
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Who Is Unlikely to Qualify for 6x–7x Income Mortgages?
High income alone isn’t enough. Poor credit or heavy financial commitments can quickly reduce what you’re able to borrow, regardless of your salary.
Profiles that often struggle to secure maximum multiples include:
- High earners with large unsecured debts, car finance and expensive lifestyle commitments
- Applicants with recent adverse credit markers (CCJs, late payments, payday loans in the last 24–36 months)
- Those on probation periods, in very new roles, or with volatile self-employed income
- Borrowers approaching retirement age who need longer terms to keep repayments manageable
- Sole applicants with significant childcare costs or school fees relative to income
Mortgage stress tests – where lenders check affordability at a notional rate 2–3% above the pay rate – make very high multiples difficult where outgoings or dependants are significant. Even with a £200,000 salary, if you have £3,000/month in school fees, £800 in car finance and two dependants, your practical borrowing power drops substantially.
For some clients, we actually recommend a slightly lower multiple to preserve flexibility, even when higher borrowing is technically possible. Being “house poor” which is where your mortgage payments consume so much income that you can’t maintain your lifestyle or save is a real risk at the upper end of borrowing.
How Lenders Assess What a High Earner Can Afford
The income multiple is only a starting point. In 2026, lenders lean heavily on affordability modelling that goes well beyond simple salary calculations.
Affordability Modelling Factors
Key factors lenders consider include:
- Gross income breakdown – base versus variable components
- Net disposable income – after tax, national insurance and pension contributions
- Regular outgoings – credit commitments, school fees, childcare, season tickets, maintenance payments
- Dependants – number and ages of children or other dependants
- Loan term and product type – repayment versus interest-only affects monthly cost
- Property type – standard houses are straightforward; HMOs, new build flats over certain values, listed buildings and non-standard construction face stricter criteria
Debt-to-Income Ratios
Many lenders now use debt-to-income (DTI) ratios as a key underwriting metric. For high earners in 2026, most lenders prefer total debt payments (including the new mortgage, other debts and commitments) to sit below 40–45% of gross income.
Some lenders still reference the traditional guideline that mortgage repayments alone should be 28–35% of gross income. However, high earners can sometimes exceed this where substantial disposable income remains after all commitments.
Applicant | Annual Salary | Mortgage as % of Gross Income | Lender View |
|---|---|---|---|
A | £150,000 | 28% | Comfortable – straightforward approval |
B | £150,000 | 35% | Acceptable – may require explanation of other assets |
C | £150,000 | 40% | Stretched – needs strong justification and clean profile |
Stress Testing and Practical Borrowing Limits
The maximum amount you could borrow isn’t necessarily what you should borrow. We always encourage clients to calculate what comfortable monthly payments look like before pushing to the absolute limit.
Benefits of High Value Mortgages
High value mortgages open up a world of opportunity for high net worth individuals seeking to maximise their property investments. With access to larger loan amounts, these mortgages allow high net worth clients to purchase or refinance high-value properties that might be out of reach with standard lending. One of the key advantages is the flexibility in lending criteria, private banks and specialist lenders are often willing to consider significant assets, such as investment portfolios or business interests, alongside traditional income sources.
This tailored approach means that high net worth clients can often secure more favourable mortgage rates and terms, resulting in lower monthly payments and a reduced overall cost of borrowing. The expertise of a seasoned mortgage broker is invaluable here, as they can navigate the complex landscape of high value mortgages, identify the most suitable lenders, and negotiate terms that reflect your unique financial profile. Ultimately, high value mortgages provide high net worth individuals with the access, flexibility, and personalised service needed to make the most of their property investments and overall wealth.
The team at Fox Davidson are specialist private bank mortgage brokers with over 30 private banks that we can do business with.
Understanding Dry Lending
Dry lending is a specialist approach increasingly favoured by private banks when working with high net worth clients. Unlike traditional lending, which focuses primarily on income, dry lending takes a holistic view of your total wealth, including significant assets, business accounts, investments, and other financial holdings. This method is particularly beneficial for high net worth individuals whose income may be complex or irregular, but whose overall financial position is exceptionally strong.
By considering your total wealth rather than just your annual income, lenders can apply more flexible lending criteria and offer higher income multiples, making it easier to secure a high value mortgage. Dry lending recognises the strength of your balance sheet, allowing you to leverage your assets to access larger loans and more attractive terms. For high net worth clients, this approach can be the key to unlocking property opportunities that would otherwise be unavailable through mainstream lending channels.
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Risks and Downsides of Pushing to Very High Income Multiples
Our role isn’t just to maximise what you can borrow based on your individual circumstances – it’s to ensure you don’t end up financially constrained by your mortgage.
- Higher monthly payments that become painful if rates rise at remortgage
- Reduced flexibility for school fees, holidays, investing and early retirement planning
- Greater exposure if bonuses are cut or variable income falls during an economic downturn
- Stricter future underwriting when you need to refinance, extend the term, or raise capital
- Limited buffer for unexpected costs – major repairs, family emergencies, career transitions
In 2024–2025, many high earners who had stretched to their limits felt real pressure as fixed rate periods ended and they faced significantly higher interest costs. That’s a cautionary lesson for 2026 planning.
Stress Testing and Practical Borrowing Limits
We routinely model scenarios at current rates plus 2–3% to show clients how sustainable their payments remain if rates move against them. If a rate rise of 2% would leave you struggling to meet mortgage payments alongside your other commitments, you’re probably borrowing too much.
The overall cost of a mortgage isn’t just about the interest rate – it’s about how the loan fits into your broader financial life over 10, 15 or 25 years.
High Earners Buying Investment Property: BTL, HMO and Semi-Commercial
Many high earners we work with aren’t just buying their own homes – they’re building property portfolios. Ltd company buy to let, HMOs, MUFBs (multi-unit freehold blocks) and semi-commercial property all have different affordability rules compared to residential mortgages.
Key differences for investment property:
- Buy to let affordability is primarily driven by rental stress tests, not personal income. Lenders typically require rental income to cover 125–145% of the mortgage interest at a stressed rate
- However, high personal income can help where lenders apply “top slicing” – using your surplus personal income to support the loan where rental coverage falls slightly short
- Ltd company structures are increasingly popular for higher and additional rate taxpayers, with many high earners holding portfolios through SPVs (special purpose vehicles)
Product types we regularly arrange for high net worth clients include:
- Ltd company buy to let for tax-efficient portfolio building
- HMO and MUFB finance for professional landlords
- Semi-commercial and mixed-use mortgages
- Regulated and unregulated bridging loans for acquisitions and refurbishments
- Development finance for refurbishment projects and ground-up builds
Most investment lenders still require a minimum personal income threshold (typically £25,000–£40,000), but high earners can often achieve stronger leverage, higher loan amounts, or more flexible terms than standard portfolio landlords.
When Do Private Banks and Specialist Lenders Make Sense for High Earners?
Above approximately £1m borrowing, or where income is complex, a private bank or specialist wealth-focused mortgage lender often provides the best fit.
Why consider private banking for your mortgage:
- Holistic wealth assessment – they look at your total wealth (investment portfolios, company shares, carried interest, vested options, property equity, significant assets) rather than just payslips
- Higher effective multiples – they may consider 6x–7x equivalents where there’s strong asset cover and a credible exit or repayment plan
- Bespoke structuring – interest-only or part-and-part facilities aligned with expected liquidity events such as future income from share vestings or business sales
- Flexibility on income type – more accommodating of dividends, retained profits, multiple sources of income, and complex ownership structures
Typical entry points for private banking relationships include:
- Minimum loan sizes of £1m+ (some start at £500,000)
- Requirement to place assets under management (AUM) with the bank
- Net worth thresholds, often £3m+ including property
Our role as mortgage brokers in these cases is packaging and presenting complex income and asset positions into a narrative that private bankers can underwrite confidently. We translate your personal circumstances, whether that’s carried interest from a private equity fund, unvested RSUs, or profits from multiple trading companies, into terms that credit committees understand.
Example: Tech Founder Purchasing £3.2m London Home
A client who had recently sold a stake in his technology business came to us with £2.1m in liquid assets, a new role paying £280,000 base, and significant paper wealth in his remaining equity. High street lenders couldn’t accommodate the complexity.
Through a private bank, we arranged a £2.4m interest-only facility at 75% LTV. The bank was comfortable with the loan because of his overall asset position and the clear repayment strategy – either refinancing to repayment once his next equity tranche vests, or partial sale of investments. His monthly payments were approximately £8,500, which left ample room in his budget for other investments and lifestyle costs.
Current (2026) Interest Rate Context for High Earner Mortgages
The 2026 rate landscape looks meaningfully different from the 2023–2024 peaks. With the Bank of England base rate holding at 4.25% as of early 2026, and market expectations pointing toward gradual reductions through the year, high value mortgages have become somewhat more accessible.
Current rate environment for high earners:
- Typical 5-year fixed rates for high earner residential mortgages now sit around 3.8–4.2%, compared to peaks of 5.5–6%+ in late 2023
- 2-year fixes remain popular for those expecting further rate falls, typically pricing 0.2–0.4% higher than 5-year products
- Interest-only products for high net worth individuals have seen renewed appetite as part of wealth planning strategies
Period | Typical 5-Year Fix (High Earner, 75% LTV) | Context |
|---|---|---|
2019 | 1.8–2.2% | Pre-pandemic low rate environment |
2024 (Peak) | 5.2–5.8% | Post-inflation rate hiking cycle |
2026 (Current) | 3.8–4.2% | Stabilised environment, gradual easing expected |
Even with improved rates, lenders still stress test at rates 1–2% above the pay rate. This means affordability hasn’t expanded as much as raw rate falls might suggest.
When evaluating mortgage offers, we always recommend clients look beyond the headline rate to consider:
- Arrangement fees – product fees of £999–£2,999+ are common on larger loans, affecting the overall cost
- Early repayment charges – these can be substantial on large mortgages, limiting flexibility
- Portability – important if you might move during the fixed period
- Overpayment allowances – typically 10% per year, but some products offer more
Worked Examples: How Much Could a High Earner Borrow?
These worked examples are simplified but help frame realistic expectations before we speak. Actual figures depend on your specific circumstances, lender choice, and current rates.
Example 1: Employed Professional
- Single applicant, no unsecured debts
- 15% deposit available
- Standard outgoings (rent, utilities, modest lifestyle)
Multiple | Maximum Loan | Property Price (with 15% deposit) | Indicative Monthly Payment* |
|---|---|---|---|
4.5x | £405,000 | £476,000 | £2,150 |
5x | £450,000 | £529,000 | £2,390 |
5.5x | £495,000 | £582,000 | £2,630 |
*Assuming 25-year term, 4% interest rate, repayment basis |
Example 2: Joint Applicants
- Two children (childcare costs £1,800/month)
- Car finance: £450/month
- Credit card balance cleared monthly
Despite the strong joint income, the childcare and car commitments reduce practical borrowing significantly:
Multiple | Theoretical Max Loan | Adjusted Max (after commitments) | Notes |
|---|---|---|---|
5x | £900,000 | £720,000–£780,000 | Lender stress tests reduce capacity |
Example 3: High Earner with Variable Bonus
- Annual salary £250,000
- Average bonus over 3 years: £120,000
Different lenders treat bonus income very differently:
Lender Approach | Bonus Recognised | Effective Income | 5x Multiple |
|---|---|---|---|
0% of bonus | £0 | £250,000 | £1,250,000 |
50% of bonus | £60,000 | £310,000 | £1,550,000 |
100% of bonus | £120,000 | £370,000 | £1,850,000 |
This is why lender selection matters enormously for high earners with significant bonus payments. The difference in how much you could borrow can be £600,000+ depending on which mortgage lender you approach.
Mortgage Calculators and Tools
For high net worth individuals exploring high value mortgages, mortgage calculators and online tools are essential resources. These tools allow you to quickly estimate your monthly payments, assess how much you could borrow, and compare different mortgage rates and terms—all before you begin the formal mortgage application process. By inputting your income, assets, and property value, you can gain a clear picture of your borrowing power and the potential cost of your mortgage.
Mortgage brokers and private banks often have access to advanced mortgage calculators and bespoke software, which can model complex scenarios and help identify the most suitable lending options for your unique circumstances. Leveraging these tools not only streamlines the application process but also ensures that high net worth clients can make informed decisions and secure the best possible terms for their high value mortgage.
How We Help High Earners Structure the Right Mortgage
As an award-winning UK mortgage broker, we regularly deal with complex, high-value cases across residential, bridging and development finance. Our experience means we understand what lenders are looking for and how to present your case in the strongest possible light. Working with a specialist mortgage adviser who understands the complexities of high net worth mortgages is essential to ensure you receive tailored guidance and support throughout the process.
Our typical process:
- Initial exploratory call (15–30 minutes) to understand your income, assets, goals and timescales
- Soft-search or full affordability modelling across mainstream lenders, specialists and private banks
- Strategic advice on whether to prioritise maximum borrowing, best rate, flexibility, or future tax planning
- Coordination with your accountant, wealth manager and solicitor where needed
- Application management through to completion, handling lender queries and keeping everything on track
We’re independent of high street brands, which gives us access to the full market, from mainstream lenders to specialists and other lenders who don’t deal direct with the public.
Areas we routinely advise high net worth clients on include:
- High-value residential mortgages (£750,000–£30m+)
- Large BTL portfolio mortgages and ltd company buy to let
- Regulated and unregulated bridging loans for chain breaks, downsizing and auction purchases
- Development finance for refurbishment projects and ground-up builds
Our service is built around discretion, efficiency and genuinely bespoke advice. We work with expert advisers across multiple disciplines to ensure your mortgage fits your broader wealth strategy.
Additional Guidance and Frequently Asked Questions
FAQs – High Earner and High Net Worth Mortgage Questions in 2026
Yes, but only in very limited circumstances. 7x income is typically reserved for private bank clients with substantial assets under management or clear repayment strategies such as vested stock or property sales. Most high earners will realistically access 5x–5.5x, with 6x available in strong cases.
Most lenders offering 6x income require a minimum base salary of £75,000–£100,000, clean credit, minimal unsecured debt, and typically a deposit of 20%+. Professional mortgages for doctors, lawyers and accountants sometimes offer 6x at lower thresholds.
At 4.5x you’d borrow £450,000; at 5.5x you’d reach £550,000. With bonus income, clean credit and a strong deposit, some lenders might offer closer to 6x (£600,000). Your actual maximum depends on existing debts, dependants and the property value.
Yes, particularly through private banks and specialist lenders. You’ll need a credible repayment strategy such as investments, property sales, or pension and typically 25–40% equity. Interest-only can significantly reduce monthly payments for wealth planning purposes.
Not always on rate, but often on flexibility and maximum loan size. Private banks excel at complex income, bespoke structuring and very large loans (£1m+). They may require you to hold investments with them. For straightforward cases, high street lenders may offer better rates.
The traditional guideline of 28–35% of gross income on mortgage payments still holds, though high earners with substantial disposable income can sometimes go to 40%. We always recommend stress-testing at higher rates to ensure sustainability.
Yes, most lenders will consider bonus and commission, but typically only 50–60% of the average over 2–3 years. Some lenders are more generous with consistent bonus track records. Selecting the right lender can make a large amount of difference to your borrowing power.
Mainstream lenders typically use salary plus dividends, requiring 2+ years of accounts and tax returns. Some specialist lenders will consider retained profits or use a “salary plus net profit share” calculation, which can significantly increase your borrowing capacity.
Yes, though you’ll usually need 12–24 months of contract history. Some lenders will calculate income based on your day rate multiplied by 46–48 weeks. Strong contracts with blue-chip clients help. We regularly help contractors access enhanced multiples.
Standard timescales are 4–8 weeks from application to offer for high value mortgages. Private banks may take longer (8–12 weeks) due to manual underwriting. If speed is critical, bridging finance can complete in 2–3 weeks while your main mortgage is arranged.
The award winning high net worth brokers at Fox Davidson have specialised in mortgages for high earners since 2005.
This depends on your tax position, investment returns versus mortgage rates, and liquidity needs. With 2026 mortgage rates around 4%, keeping investments earning 6–8% may make mathematical sense. However, the decision should be part of broader wealth planning – speak to us and your financial adviser together.
Final Considerations for High Value Properties
When arranging a high value mortgage for a premium property, it’s crucial for high net worth individuals to approach the process with careful planning and attention to detail. Start by thoroughly reviewing the lending criteria, interest rates, monthly payments, and any associated fees or arrangement charges. Consider how fluctuations in interest rates or property values could impact your long-term financial position, and ensure that your chosen mortgage structure aligns with your broader wealth strategy.
Working with an experienced mortgage broker is essential they can help you navigate the complexities of high value lending, negotiate favourable terms, and ensure that your mortgage supports your financial goals. By taking a strategic approach and evaluating all aspects of the mortgage, high net worth clients can secure a solution that not only meets their immediate needs but also provides flexibility and security for the future.
Next Steps: Speak to a Specialist High Earner Mortgage Broker
If you’re a high earner exploring your borrowing options, whether you’re buying a new main residence, refinancing a large existing mortgage, acquiring investment property, or planning a development project we’d welcome a confidential conversation about your plans.
We regularly work around busy schedules. Most of our clients handle everything by phone, secure document upload and email, with minimal disruption to their working day. We’re used to working with time-pressured professionals who need efficiency and expertise rather than branch visits.
Before getting in touch, it helps to have a sense of:
- Your income details (base salary, bonus, dividends or other sources)
- Existing mortgage or debt commitments
- Approximate deposit or equity available
- Target property price range
From there, we can give you realistic guidance on how much you could borrow, which lenders suit your profile, and how to structure things for the best outcome – whether that’s maximum borrowing, lowest rate, or greatest flexibility.
Ready to explore how far your earnings can stretch? Get in touch to arrange a call and let’s work through your options together.
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