Practical preparation · General information, assessed individually
Explain the employment arrangement
Currency alone does not tell a lender how the income is earned. Identify the employer, employment status, work location, residence and whether you expect to keep the role after the purchase or move.
- Separate regular salary from variable pay and allowances.
- Explain payroll frequency, including fortnightly or twice-monthly pay.
- Provide employment terms and recent payroll evidence when requested.
Separate awards from cash received
A stock grant, vested shares, a sale and cash in a bank account are different stages. Bonus and stock-related income require a clear history; neither should simply be added to salary at its headline value.
- Show grant and vesting information where relevant.
- Identify deductions, sales and the proceeds actually received.
- Keep the deposit trail distinct from the income used for affordability.
Prepare the conversion and deposit story
Lenders apply their own foreign-income assessment. An exchange-rate conversion is not a borrowing decision. The deposit needs a traceable route from its source to the account used for the purchase.
- Record the source currency and the accounts holding the funds.
- Explain planned transfers and any gifts or asset sales.
- Discuss currency risk and retain a reserve for changing purchase costs.
Bring to the first conversation
- Country of residence, citizenship and UK plans
- Employment contract and payroll frequency
- Salary, variable-pay and stock-award breakdown
- Deposit source and expected purchase timetable
Start with an outline. Send sensitive documents only through the secure route agreed with Jack.
Your questions, answered
Can all my bonus or RSUs be included?
Do not assume so. Acceptance depends on the lender, payment history, employment arrangement and evidence. Bring the breakdown so the components can be assessed separately.
Link to this answerDo I need to email tax returns before speaking to Jack?
No. Start with a general outline of your residence, employment and purchase plan. Sensitive income and identity documents should follow through the secure route agreed for the case.
Link to this answerPrepared for Jack Cousins’s website · 12 October 2026. About Jack · How site content is prepared. Lender criteria and individual circumstances determine available options. This guide is not a mortgage offer or personal recommendation.