High Income Mortgage Solutions
At PL Mortgages, we know that securing a mortgage when you’re a high-income professional in London isn’t as simple as a salary-to-loan ratio. You might be pulling in a six or seven-figure income, but lenders often stumble when evaluating equity compensation, bonuses, or dividend structures. Our services are designed to help you bypass the roadblocks of traditional high street lenders and access mortgage solutions designed for people just like you—people whose income and assets require expertise and flexibility.
Our High Income Mortgage Services: Structured Around You
We provide comprehensive mortgage solutions specifically designed for high-income earners with complex financial structures.
Interest-Only Mortgages
For clients with substantial assets or investments, an interest-only mortgage offers cash flow flexibility. By paying only the interest on your loan, you can allocate your funds to higher-return investments while still maintaining a prime property in London.
- Typical loan range: £1 million to £10 million+
- Best for: Asset-rich, cash-flow-conscious professionals
High-Multiple Income Mortgages
Where traditional lenders cap borrowing at 4.5x your income, our partners offer up to 6x or even higher under certain conditions. This gives you the flexibility to compete in London’s competitive market.
- Example: A client earning £300,000 annually secured a £1.8 million loan at a 3.79% 5-year fixed rate.
Offset Mortgages
Offset mortgages allow you to link your savings or investments to your mortgage, reducing the interest you pay. This is ideal for professionals who want to keep liquid assets while minimizing overall costs.
Property Valuation & Yield Analysis
Our advisors conduct detailed assessments of your target property’s potential. For buy-to-let clients, this includes evaluating expected rental yields, net income after taxes, and DSCR compliance.
Real Obstacles We Solve Daily
Whether you’re a senior executive in the City of London, a partner at a top-tier firm, or a tech entrepreneur, we provide high-value lending options that align with your financial structure and property goals.
Lenders Ignoring Bonus Structures
High street lenders often consider only a fraction of your annual bonus when calculating affordability, limiting the size of your mortgage. We work with institutions that factor in 100% of recurring bonuses, ensuring you qualify for a loan that reflects your true earning capacity.
RSU and Equity Compensation Challenges
For tech professionals or senior executives paid in stock, many lenders will only accept cash-based income. We present equity compensation as part of your total earnings package, giving you access to larger borrowing potential.
Complex Business Income for Self-Employed Clients
If you run your own consultancy or hold multiple business interests, traditional banks may view your income as unstable. We collaborate with lenders who analyze your income over multiple tax years, providing a comprehensive picture of your financial health.
What Makes Us Different
Lenders love consistency. If you had a flat, predictable monthly income, you’d get an offer in no time. But that’s not your world. You might earn £250,000 a year, with half of it coming from bonuses and RSUs (restricted stock units). Maybe you’re a self-employed consultant whose annual revenue varies based on contracts. Banks often fail to understand this complexity, sticking you with low loan multiples or outright rejections.
Here’s how we handle that:
- We work with lenders who understand how to integrate non-traditional income into affordability assessments.
- We present your case in a way that highlights stability in your earning patterns, even if your pay structure doesn’t fit the “standard model.”
Instead of forcing you to fit their process, we tailor a solution to your financial reality.
Direct Access to Specialist Lenders
We have long-standing relationships with private banks and investment lenders who understand high-income profiles. No cookie-cutter credit assessments—each application is custom-built for approval.
Negotiation Expertise
We don’t just submit your documents and hope for the best. Our team actively negotiates terms like interest rates, fees, and loan conditions, leveraging your financial profile to secure the most favorable package.
Speed and Efficiency
We know delays can cost you a property deal. Our streamlined process—from pre-qualification to completion—ensures you stay competitive in the fast-paced London market.
Frequently Asked Questions
Yes. Unlike high street lenders, our network of private banks often accepts 100% of bonus income, provided it’s a consistent part of your compensation.
We secure LTVs ranging from 60% to 85%, depending on the property value, your income structure, and the lender’s terms.
Absolutely. Many lenders offer interest-only options, particularly for high-net-worth clients with significant assets or liquidity.
While high street lenders may take weeks, we can often secure approvals in 7 to 14 days, depending on the complexity of your case.
Yes. We specialize in structuring mortgages for clients with variable income by using averaged earnings over multiple years to present a stable financial profile.
Ready to Take the Next Step?
London’s high-income earners face enough complexity in their professional lives—securing a mortgage shouldn’t be another headache. Let us handle the process and connect you with solutions designed to meet your specific needs.
Reach out today to schedule a consultation with one of our experts. It’s time to move forward on your terms.
