4.97 out of 5 based on 2,400+ reviews
4.97 out of 5 based on 2,400+ reviews
Partnership income works differently to a standard salary, and that can make the mortgage process feel more complicated than it needs to be. Profit share, drawings, and the natural ebb and flow of business cycles all affect how lenders assess what you can borrow — but with preparation and advice, securing a competitive mortgage as a business partner is typically achievable.
This matters most when you are looking to borrow at higher levels. If you are buying a family home, upsizing to a higher-value property, or investing in a second property, we know how to structure your application so that lenders understand the full picture and lend accordingly.
Most mortgage lenders are set up to assess straightforward PAYE income. Partnership income — which can include a combination of salary, profit share, and retained earnings — requires a more nuanced assessment.
We work with lenders who assess your full share of partnership profits, not just your drawings, ensuring your application reflects your true financial position.
We regularly help business partners borrow at high loan levels by packaging applications for lenders who take a common-sense view of partnership structures.
Variable profit share year on year? We contextualise any fluctuations and match you with lenders who take a flexible, informed view of partnership income history.
Whether switching rate, releasing equity, or investing in a second property, we source solutions structured around how partnership income works.
Accessing a large mortgage on partnership income is entirely possible — it simply requires the right approach. We regularly help business partners borrow at high loan levels by working with lenders who understand how partnership structures work and who will take a common-sense view of your finances. The key is in how your application is packaged and who it is presented to.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Our clients value the confidence that comes from working with a broker who understands the full spectrum of high-net-worth financial, commercial, and protection needs.
Whatever your situation, our premier mortgage team can advise on suitable solutions. We specialise in complex and bespoke mortgage solutions to help you find competitive terms.
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