We helped a client to secure a £1 Million+ mortgage with bonus income within 7 working days. But, it wasn’t as simple as it might seem.
The Challenge
A client with strong earnings needed a large mortgage quickly, but their income structure included variable bonus payments and restricted stock, which many lenders treat cautiously.
The Constraints of Getting a Large Mortgage with Bonus Income
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Complex remuneration structure
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Tight purchase deadline
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Inconsistent lender criteria
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High-value borrowing requiring detailed underwriting
How We Solved It
We:
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Packaged bonus and stock income into a clear, lender-ready case
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Selected a lender aligned with complex income profiles
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Managed underwriting questions proactively to avoid delays
Timeline
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Day 1–2: Strategy & income packaging
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Day 3: Application submitted
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Day 4–6: Underwriting managed
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Day 7: Offer issued
The Outcome
✔ £1m+ mortgage offer secured
✔ Offer received in just 7 working days
✔ Complex income fully considered
Need a mortgage with bonus, equity or non-standard income?
We specialise in structuring complex cases for successful outcomes. Call our team or drop us a message today.
