At Guild Finance, we specialise in helping clients whose income, assets, and financial circumstances don’t fit neatly into standard lender boxes. Whether you’re a business owner, a senior professional, or someone with multiple income streams, we build a lending strategy that reflects your real financial position — not just what appears on a payslip.
You deal directly with Oli throughout, ensuring clarity, discretion, and a calm, personal experience from start to finish.
Business owners and company directors
High‑net‑worth individuals
Senior professionals with bonus‑led income
Clients with multiple income sources
Borrowers seeking £500k–£5m+ lending
Anyone whose financial life is more complex than a standard salary
If your income comes from dividends, retained profits, bonuses, investments, or a combination of sources, you’re in the right place.
We know how to interpret and present income that doesn’t follow a simple pattern. Salary, dividends, bonuses, profit extraction, investment income — we structure it clearly so lenders understand the full picture.
Some clients benefit from a more bespoke lending approach. We work with private banks who take a holistic view of your assets, income, and long‑term plans.
Your financial story is packaged with precision and context, removing ambiguity and strengthening your position with underwriters.
You deal directly with Oli — no call centres, no hand‑offs, no repeating your story. Just calm, consistent guidance throughout.
Complex income structures
Bonus‑led or variable earnings
Multiple income streams
Company directors using retained profits
High‑value borrowing (£500k–£5m+)
Moving from mainstream lenders to private banks
Refinancing or restructuring existing borrowing
New‑build purchases with tight deadlines
Whatever your situation, we build a strategy that aligns with your goals.
A confidential, pressure‑free discussion about your goals.
We analyse your income, assets, and plans to build a clear lending strategy.
We approach the lenders best suited to your profile — including private banks.
You deal directly with Oli throughout, ensuring a calm, consistent experience.
If you’d like clarity on your mortgage options, we’re here to help.