Private Client & High-Value Mortgages
A personal approach to larger loans and more complex financial profiles.
- Larger residential loans
- Multiple income sources
- Bespoke underwriting
Mortgage & protection advice across the UK
WhatsApp HollySpecialist mortgage advice
When your application needs more understanding
A complicated income or credit history does not automatically mean no. It means the lender choice and the way the case is presented matter more.
Start on WhatsAppCompany directors
How lender calculations differ for limited-company income.
- Salary and dividends
- Company profit
- Accounts and evidence
One year of accounts
Options where the business has one complete trading year.
- Shorter trading history
- Previous experience
- Preparing evidence
Retained profits
Where salary and dividends do not reflect company performance.
- Share of net profit
- Retained profit
- Director shareholding
Contractors
Day-rate, fixed-term and contract-based mortgage assessments.
- Contract value
- Renewal history
- Umbrella income
Sole traders
How taxable profit and changing figures may be assessed.
- Latest-year figures
- Tax calculations
- Business statements
Bonus, overtime and commission
Using regular earnings beyond basic salary.
- Income history
- Averaging
- Allowances and second jobs
Mortgages with a CCJ
How CCJ value, date and status may affect options.
- Satisfied or outstanding
- Age and value
- Deposit considerations
Defaults
Mortgage advice after registered or settled defaults.
- Default type
- Registration date
- Recent conduct
Missed payments
Understanding the impact of recent or historic late payments.
- Account type
- Recency
- Current account conduct
Not sure where to begin?
WhatsApp Holly Your circumstances don’t need to fit a page title.
Tell Holly what you are trying to achieve and she will help you work out which information—and which mortgage route—is most relevant.