Map the income
Separate recurring salary, variable earnings and assets before discussing lender options.
Jack Cousins · HNW mortgages
Your income has a story. Let’s explain it properly.
A mortgage conversation for higher earners whose salary, bonuses, business interests or assets need to be considered together.
07456 935677 · jack@lockhartmurphy.com
Mortgage and protection advice is provided through Mortgage Force (UK) Ltd. Scope, eligibility and any fees are discussed before proceeding.
A useful starting pointPut the right details
Put the right details
on the table.
Begin with an outline. Jack will explain what needs a closer look and which documents would be useful next.
Understand the property
Consider value, borrowing needs and any unusual features alongside your wider plans.
Build the evidence
Prepare clear records for each income source and a traceable deposit.
Your next stepTell me where
Tell me where
you’re starting.
A short outline is enough for the first conversation. Please leave out passports, account numbers and sensitive documents.
Useful things to have in mind
- Income sources and ownership structure
- Asset and liability overview
- Deposit and liquidity plan
- Property and borrowing objectives
Jack Cousins
Head of Mortgages
Lockhart Murphy
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Are assets the same as mortgage income?
No. Assets and income are assessed differently. The lender needs to establish the repayment basis and the evidence it can accept.
Link to this answerThere is no promise of a mortgage, rate or timescale. Each case depends on the lender’s assessment and the complete circumstances.
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