A client with multiple businesses, irregular dividends, and retained profits struggled to secure lending through mainstream banks. Structure the case using a combination of salary, dividends, and net profit, presenting a clear affordability profile to a specialist lender. 

Result: £1.8m agreed at a competitive rate with a lender who understood entrepreneurial income. 

Client had a project that he was looking to Joint Venture on with landowner. Client could provide schedule of works and valuations on new flats, full planning was already agreed on site and client wanted to maintain as much cashflowas possible in his own business. 

Result: £4.5m finance staged payment agreed, on 98% Loan to Cost

Processed in connection with a referral partner. 

A high‑earning professional with significant bonus income needed a lender who could take a holistic view of their assets, investments, and future earning trajectory. We introduced them to a private bank offering relationship‑led underwriting and flexible income assessment. 

Result: £900k remortgage secured with bespoke terms and a dedicated private‑bank contact. 

A senior executive with modest base salary but substantial annual bonuses required a lender who could assess income beyond standard PAYE. We sourced a lender willing to use a multi‑year bonus average, significantly increasing borrowing capacity. 

Result: £2.4m purchase approved with a structure tailored to their compensation package.