Mortgages From £500k to £5m+ For High Earners With Complex Income

Borrow up to 6x your annual earnings so you can afford to buy your dream home even if you have sign-on bonuses, deferred stock options, overseas revenue, or other unusual income streams

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Mortgages From £500k to £5m For High Earners With Complex Income

Borrow up to 6x your annual earnings so you can afford to buy your dream home even if you have sign-on bonuses, deferred stock options, overseas revenue, or other unusual income streams

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

You’ve worked hard to build your wealth, but getting a large mortgage can still be a challenge. Whether you’re a successful business owner, a professional with international income, or an employee on a very high salary, being turned down for a mortgage when you have signiﬁcant assets can be frustrating and confusing.

The problem is that most lenders do not cater for diverse income situations. They often won’t accept income from sign-on bonuses, RSUs, non-UK-based companies, or other unconventional sources. They will instead see you as a higher-risk borrower and thus reduce the amount they’re prepared to lend.

If you’re like many high earners we speak to, you’re ready to buy that dream property you’ve found, or require a capital raising remortgage on an existing property. You know you can quite easily afford the monthly repayments, but can’t understand why your bank doesn’t feel the same way.

You’re also aware that the mortgage process can be a hassle – loads of paperwork, meetings, and long delays, especially if the lender doesn’t really get your ﬁnancial situation.

But here’s the good news…

At Mortgage Broker Services, we specialise in helping high earners with complex income streams get a large mortgage without the stress. We work directly with senior underwriters who understand your situation and have the authority to approve large, bespoke mortgages that reflect your true earnings.

Our lenders not only accept income from a wide range of revenue sources but will also let you borrow up to 6x your income, giving you a better chance of getting the large loan required to purchase your dream home or remortgage an existing property.

We have access to 1,000s of mortgages from High Street and specialist lenders, as well as private banks. These include some exclusive rates with ﬂexible terms that won’t penalise you for paying off your mortgage early.

We’ll handle everything for you – from ﬁnding the right deal to managing the paperwork. We’re also available outside normal office hours, including evenings and weekends.

To ﬁnd out which mortgage offers you qualify for, ﬁll in our one-minute enquiry form or call us now on 0333 772 1551 to get straight through to a mortgage adviser (we don’t do call centres).

Request A Callback

Book a call with Errol, our expert in large mortgages for high earners, to talk about your requirements.

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Why Choose Us?

Because we specialise in large mortgages for high earners with complex income, we can offer you access to all sorts of beneﬁts you won’t ﬁnd on the High Street or through other brokers.

Save Time and Money

We’ve got access to 1,000s of different mortgages from over 70 lenders, including exclusive deals that the lenders don’t offer directly to the public. That means we’ve got the best possible chance of ﬁnding you a mortgage that will save you money.

And we’ll save you time as well because we know what each lender typically wants to see and will ensure you gather those documents together upfront. In most cases, we’ll just need your income details, proof of ID and some bank statements to get your mortgage approved.

Plus, the fact that we deal with high earners like you day in and day out means that, unlike some other brokers, we’ll know right from the start which lender is most likely to accept you. So, we won’t waste time (or damage your credit score) by submitting applications to multiple lenders in the desperate hope of ﬁnding one who’ll say yes.

Flexible Appointments

If you go to your local bank, you could wait weeks to get an appointment, and when you do get one, it’ll probably be at a time when you have other important work to do.

Here at Mortgage Broker Services, we know that if you have to take time off to go to the bank or meet with a mortgage broker during the working day then you could be losing money.

That’s why we offer a choice of daytime or evening online appointments every day of the week (including Sundays). So, you can be sure that we’ll be able to ﬁnd a convenient time to discuss your mortgage requirements and ﬁnd you the right deal without it costing you lost hours from your busy schedule.

Maximise Your Borrowing

We can get you a large mortgage – based on diverse income streams. Our lenders will consider multiple business ventures, foreign earnings, sign-on bonuses, investment portfolios, guarantors, art collections, trusts, restricted stock units (RSUs), retained company proﬁts – before tax, special purpose vehicles (SPVs), antiques, the list is endless.

In other words, we can ﬁnd you a lender that will understand your high-earner status without taking a one-size-ﬁts-all approach and will approve a large bespoke mortgage at competitive rates.

In most cases, the lenders we work with will typically look to lend you up to 5.5 times your income. And, in certain situations, as much as 6 times your income.

Interest Only Options

Choosing an interest-only mortgage can signiﬁcantly reduce those monthly repayments. But the real beauty lies in how adaptable and ﬂexible these mortgages are.

In months when you have spare money, perhaps after an annual bonus or business windfall, you’ll have the freedom to overpay on your mortgage and reduce the capital. But you’re never forced to do this. It’s always your choice. And so long as you pay the minimum interest amount each month, then the lender will be happy.

This ﬂexibility not only gives you more control over your own ﬁnances, but also offers the potential for you to clear your mortgage earlier than originally planned, leaving you debt free.

What Our Clients Say

Excellent

leon palmer

***** Exceptional Service and outstanding results once again!
We recently worked with Errol, and we could not be happier with the experience. From start to finish, his professionalism, expertise, and dedication were evident. Unlike another mortgage broker we consulted, Errol was able to secure us a significantly better deal, getting us more money with favourable terms that suited our financial needs.

Errol’s knowledge of the market and his commitment to finding us the best possible solution made all the difference. He answered all of our questions, and made the entire process smooth and stress free.

If you’re looking for a mortgage broker who will go above and beyond to get you the best deal possible, we highly recommend Errol. Thank you for making this a seamless and successful experience.

Sheila Mesher

Errol is a very helpful man he will go above and beyond to help people, he helped us with the right to buy our council house, I would recommend him to anyone and everyone who needed a mortgage, extremely helpful and always there is you need him.

Nazey Gulsen

Errol was amazing and really helped guide us with obtaining a let to buy mortgage and a residential mortgage on our second home. He took the time to explain everything very clearly to us and was available whenever we needed to talk. We felt like we were in good hands throughout our mortgage application and we couldn’t have done it without him! We are over the moon and would definitely be recommending him to our friends and family and hopefully if we ever do need mortgage advice we definitely will be keeping in touch!

MJ Design & Building

I am very happy and 100% satisfied with Earl. I highly recommend.

Derrick Martin

Or mortgage was processed by Errol Hall. He offered a great service as our case was not straight forward and required expertise and patience

Tony Diamond

I am using mortgage broker services to re mortgage one of my buy let properties.
Errol has been outstanding from the start.
Highly recommend their services.

Tony Diamond

John Antoniou

From start to finish 5 star service. Errol came highly recommended from a good friend of mine who used his services. I found Errol to be very knowledgeable and polite, he updated me regularly, my mortgage application was seamless, from application to mortgage offer in under 7 days, wow, thank you

Riza

Erol is next level! He helped us in getting not only a mortgage within a few days but also changing our current flat to a buy-to-let with ease! Would highly recommend him! Thank you so much once again

Carol Martin

Excellent!

Beverley Jones (UK)

As a first time buyer I was really nervous and uncertain around the complicated process of sorting out a the best mortgage options. I did my own research initially using search engines and then contacted Errol to see if he could improve on the options I’d found. He certainly could, and not only that but he was super helpful and fast to respond every time I reached out. As I was buying during a real boom period I asked him for mortgage offers for multiple properties changing price / deposit amounts and shared ownership options, durations and he even managed to get me a mortgage in principle for a very complicated old building, having personally researched the rules around and the different parts of the property and return this to me within 48hrs which was very impressive. He was patient, informative and a calming influence. I don’t think I’d have moved forward to purchase without his support! Highly recommended.

Cee Jay

I approached Mortgage broker Services for help with a buy to let remortgage. Errol was informative, impartial, and knowledgeable in his products and offerings. I received the outcome that I was hoping for and a perfect service from start to finish.

Steve L

Errol has professionally advised me and my family and friends on 6 mortgages over 4 years. 5 star service would strongly recommend

Isabella Hannah

Excellent service!!
Errol has been an excellent mortgage broker. He has guided us all the way through the process, even to finding a suitable solicitor. Great communication and fast service. He found us a great rate even at really turbulent time. I’d definitely recommend.

George Production

Errol was recommended to me by a colleague at work. From start to finish he has dealt with everything with great professionalism. I will be recommending his services to any friends, family and colleagues who are looking to buy a property. Errol is a credit to Mortgage Broker Services ...

Komal B

Errol is my go to man for anything financially related. He is very efficient and gets things moving very quickly. He also tells you how it is so you don't waste time exploring avenues that are not suitable for you.

Carol Parillon

The best broker I have ever worked with. Give you sound advice and really finds the best product for you. He makes the mortgage process so seamless. The only broker I would recommend every day of the week. Huge thanks for your services.

Kelsey Layton

Errol always provides an outstanding service
Highly recommended to anyone and everyone will only ever use Errol whenever I need help with my finances.
Thanks again for all your help.

Jennifer McBride

I have used Errol Hall as my broker for several years now. He has dealt with complex staircasing mortgages, as well as re-mortgages and always finds me the best deals on the market. I've also used his recommendations for conveyancing and surveys. He always explains the process clearly and puts me at ease.

I've recommended Errol to several friends and colleagues who have been equally happy with his services.

Thanks Errol!

bobby sokhi

I can’t recommend Errol enough, he’s worked really hard to accommodate. I will and have recommended Errol to my family and friends. Thank you

Louise

Errol helped me get the mortgage I needed, and understand the different types of insurance products available.