Investment Banker Mortgages – Unlock Your Full Borrowing Potential with Specialist Lending
Mortgage solutions that recognise total compensation including vesting stock, not just a base salary.
Mortgage Solutions That Understand Complex Investment Banking Income
Traditional high street lenders consistently reject investment banking professionals despite earning £500,000+ annually, frustratingly considering only 50-75% of bonus income in their mortgage affordability calculations. These mainstream lenders simply don’t comprehend the complex income structures that define investment banking compensation – from discretionary bonuses and vested stock options to deferred compensation and multi-currency payment streams.
Our specialist mortgage service exclusively serves investment banking professionals, understanding exactly how your compensation package works across all major investment banks. We secure mortgages up to £25 million with up to 95% LTV ratios, enabling investment bankers to leverage their full earning potential rather than being constrained by outdated lending criteria that ignore the realities of the investment banking sector.
📞 Call for immediate expert advice
📧 Email with an outline of your requirements
Why Choose Our Investment Banker Mortgage Service?
Our specialist approach delivers results where high street lenders fail, specifically designed for the unique financial circumstances of investment banking professionals.
- 100% Bonus Income Consideration – We assess your entire compensation package including discretionary income, future bonus payments, and varying income streams, not just basic salary
- Income Multiples Up to 6x Total Compensation – Secure mortgages based on your true earning potential through our extensive network of specialist lenders and private banks
- Stock Options & Deferred Compensation Included – We factor in vested stocks, unvested stock options, signing bonuses, and future compensation streams that mainstream lenders ignore
- 90% LTV on Prime London Properties – Higher loan to values reduce deposit requirements, preserving liquidity for other investments while accessing most competitively priced rates
- 4-6 Week Completion Times – Our dedicated underwriting teams and specialist mortgage advisers ensure faster processing than traditional lenders through streamlined application procedures
How Our Investment Banker Mortgage Process Works
Our bespoke approach transforms complex investment banker income structures into successful mortgage applications through four strategic steps.
Step 1: Comprehensive Income Assessment
We conduct an initial consultation analyzing your basic salary, 3-year bonus history, vested stock options, deferred compensation, and commission income streams. Our specialist mortgage advisers understand varying salary structures across MD, VP, and Analyst levels, creating detailed income stability profiles that highlight your mortgage affordability.
Step 2: Specialist Lender Matching
Connect with our extensive network of 180+ lenders including 30+ private banks, specialist lenders, and private client advisers who specifically offer large mortgage loans to investment banking professionals. We match your unique financial circumstances with lenders offering the most favorable terms and higher income multiples.
Step 3: Tailored Application Structuring
Our expert mortgage advice ensures your multiple income streams are presented optimally for maximum borrowing capacity. We structure applications to meet specific lender criteria while highlighting income stability and future earning potential, transforming complex compensation packages into compelling mortgage applications.
Step 4: Fast-Track to Completion
Dedicated case management ensures the entire mortgage process flows smoothly from initial offer to completion within 4-6 weeks. Our specialist mortgage advisers coordinate with underwriters who understand investment banking sector compensation, eliminating typical delays experienced with high street banks.
What Makes Our Investment Banker Mortgage Service Different?
Our specialised focus on investment banking professionals delivers access and expertise unavailable through traditional mortgage channels.
- 30+ Private Bank Relationships – Exclusive access to Coutts, UBS, Credit Suisse and other private banks offering bespoke mortgage solutions specifically designed for high net worth individuals in the banking sector
- Investment Banking Income Expertise – Deep understanding of MD, VP, and Analyst compensation structures across all major investment banks, enabling us to secure property finance that reflects your true earning capacity and variable income structures
- Large Loan Specialists – Proven track record arranging £500,000 to £25 million mortgages for investment banking clients, with specialist knowledge of the unique requirements for large loans and complex financial circumstances
Success Stories from Investment Banking Professionals
Real results from investment bankers who unlocked their full borrowing potential through our specialist mortgage solutions.
⭐️⭐️⭐️⭐️⭐️ “Secured £3.2 million at 85% LTV when three high street lenders rejected me despite my £650,000 total compensation. The bespoke mortgage advice was exceptional – they understood my deferred compensation schedule and structured flexible repayment terms around my bonus cycles.”
⭐️⭐️⭐️⭐️⭐️ “Achieved £1.62 million mortgage at 90% LTV including my unvested stock options in the affordability calculation. The entire process took just 5 weeks with repayment terms aligned to my vesting schedules. Finally, a mortgage product that understands investment banking compensation.”
⭐️⭐️⭐️⭐️⭐️ “As an international banker with multi-currency income, I thought securing UK property finance would be impossible. Fox Davidson accommodated my complex income structure and delivered completion in 4 weeks. Outstanding specialist service.”
Investment Banker Mortgage Options & Borrowing Capacity
Clear borrowing examples tailored to different seniority levels within investment banking, showcasing how our specialist lenders accommodate varying income streams.
💼 Analyst Level (£150,000-300,000 total compensation)
Secure £450,000-1.8 million mortgages through specialist income assessment recognising bonus potential and career progression. Our mortgage solutions include provisions for rapidly increasing compensation typical at junior investment banking levels.
🏛️ Vice President (£300,000-600,000 total compensation)
Access £1.35-3.6 million mortgage facilities with full consideration of bonus income, vested stocks, and discretionary payments. Bespoke mortgages include flexible terms accommodating the variable income structures common at VP level.
🏆 Managing Director (£500,000+ total compensation)
Unlock £2.25-15+ million property finance through our private bank network offering bespoke mortgage solutions for senior banking professionals. Interest only mortgages and complex structuring available for maximum financial flexibility.
Frequently Asked Questions for Investment Bankers
🔹 Can I use my signing bonus for the deposit?
Absolutely. We work with specialist lenders who accept signing bonuses, vested stock options, and cash payments from recent transactions as deposit sources, unlike high street lender restrictions.
🔹 How do you handle variable income structures?
We use sophisticated 3-year averaging methodologies and forward-looking assessments based on your division, seniority level, and bank performance. Our mortgage affordability calculations recognise the income stability inherent in investment banking careers.
🔹 What if I’m on international secondment?
Our extensive network includes specialist lenders experienced with multi-currency income and international employment contracts. We secure mortgages for investment bankers regardless of current posting location.
🔹 How quickly can I get pre-approval?
Initial approval in principle within 48-72 hours with basic documentation. Our specialist mortgage advisers understand investment banker income verification requirements, accelerating the entire process.
🔹 What’s the maximum I can borrow?
Up to 6x total compensation through select private banks, with mortgage solutions available up to £25 million. The banking sector’s unique compensation structures allow for higher income multiples than traditional lending criteria.
Start Your Investment Banker Mortgage Application Today
Stop settling for mainstream lenders who don’t understand your true earning potential. Secure the mortgage solution your investment banking income deserves.
🔹 Contact us 🔹
💡 No obligation. Expert advice tailored to your compensation structure. Results within 48 hours.
🔒 Trusted by 500+ Investment Banking Professionals | 100% Success Rate for Qualified Investment Bankers | Exclusive Access to Private Bank Mortgage Products
Contact our specialist team: Call 0203 519 5590 or email enquiry@foxdavidson.co.uk
Fox Davidson are a specialist UK mortgage broker covering all areas of property finance. We work with international and UK resident clients to secure funding on residential & commercial property in the UK. We can work by phone, email and video call. We have London & South West offices at which we can meet clients.
