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
- Complex remuneration structure
- Tight purchase deadline
- Inconsistent lender criteria
- High-value borrowing requiring detailed underwriting
How We Solved It
We:
- Packaged bonus and stock income into a clear, lender-ready case
- Selected a lender aligned with complex income profiles
- Managed underwriting questions proactively to avoid delays
Timeline
- Day 1–2: Strategy & income packaging
- Day 3: Application submitted
- Day 4–6: Underwriting managed
- 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.
