Show the structure behind the annual figure
We review the fixed and variable elements, payment history and any deferral, vesting or repayment conditions. For partners or owners, accounts and the route from business profit to personal income may also be relevant. A strong performance year does not make future awards certain, and investment assets should not be confused with regular earned income.
When earnings and assets cross borders
Identify the employing or paying entity, your residence and the currencies involved. UK property ownership and tax questions should be discussed with the appointed professionals alongside the mortgage review.
How I approach the case
We begin with what you want to achieve, your timescale and any part of the case that needs explaining. I review the evidence and suitable lender routes, then explain the available options and their costs. A recommendation follows the individual assessment; an initial conversation does not commit you to an application.
Where legal, tax or other specialist advice is needed, we identify it early so the finance fits the wider transaction. Tell me about any change in employment, borrowing, deposit or property details before proceeding.
What to prepare
- Employment or partnership terms
- Remuneration and award history
- Deferral and vesting conditions
- Relevant accounts or tax records
- Residence, currencies and existing liabilities
You do not need every document before saying hello. Start with a short outline; detailed or sensitive records should follow through an agreed secure route.
Income acceptance, borrowing amount and term depend on the lender’s individual assessment. Future awards, distributions, business exits or asset growth are not guaranteed. Your home may be repossessed if you do not keep up repayments.
Your questions, answered
Is a high annual award enough for a larger mortgage?
It is one part of the evidence. The lender also assesses its history, conditions, commitments and the proposed property.
Can you work with an overseas employment structure?
We can discuss it. Country, residence, currency and the exact employment arrangement determine which routes may be considered.
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Preparation guide reviewed 11 September 2026. General information; individual lender assessment is required. Further reading: MoneyHelper: buying a home and mortgages.