Our client is a UK national residing overseas, with income derived from international business interests and diversified investment portfolios held across multiple jurisdictions. The challenge was that cross-border income, foreign currency earnings, and overseas tax documentation placed the application outside standard retail lending criteria. Currency exposure and jurisdictional complexity required specialist structuring. Million Plus Private […]

Our client is a senior professional with a high base salary supported by annual bonuses and long-term incentive income. While overall earnings were strong, income fluctuated year to year. The challenge was that retail lenders discounted a substantial portion of variable income, limiting borrowing potential and restricting repayment structure options. The client required flexibility to […]

Our client is the majority shareholder and director of a profitable UK-based trading company. While personal PAYE income was relatively modest, significant wealth was held within retained company profits and investment assets. The challenge was that high street lenders focused primarily on salary and dividends, materially restricting borrowing capacity. Despite strong trading performance and a […]