RSUs & stock options as income can support a mortgage application, but only when the lender accepts the payment structure and the evidence shows income that has actually been received. A large award shown on an employer portal is not the same as dependable income...
For directors who leave profit inside a healthy business, the number on the payslip can tell only part of the story. That is why a limited company director mortgage can be assessed very differently from one lender to the next. The real issue is which part of the...
A lower payslip can look alarming when you are considering a mortgage on maternity leave, but it does not always represent the income a lender will use for the whole case. We look at the temporary income position, the expected return to work, any change in hours and...
Mortgages for Barristers require a careful approach because the income structure of self-employed advocates rarely fits standard high-street lending algorithms. A newly qualified tenant moving to chambers in London will quickly discover that irregular fee receipts and...
After a separation, the real issue behind mortgages for single parents is rarely the label itself; it is whether one household can support the borrowing once income, maintenance, childcare, debts and ordinary living costs are counted. We often find that the salary is...
