Mortgages of up to £15m 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 or other unusual income streams

Mortgages of up to £15m 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, or other unusual income streams

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 and 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).

Start Your Mortgage Search

Fill in your details below and our expert in large mortgages will contact you to let you know which mortgages you qualify for and help you choose the right deal

We will not store your details for marketing purposes

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

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