Mortgages for Equity Partners
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You've worked hard to become an equity partner. Your mortgage should reflect that.
High street banks see profit share and drawings as "complicated income."
We see it as exactly what it is: substantial, sustainable earnings that deserve substantial borrowing power.
Private Finance arranges large residential mortgages specifically for equity partners, directors and senior professionals — where your income structure is understood, not undervalued.
Your home may be repossessed if you do not keep up repayments on your mortgage.
What you can actually borrow
Income that's assessed properly
Your borrowing is based on total assessable income — drawings, profit share, distributions and guaranteed bonuses. Not just basic salary.
When positioned correctly, specialist lenders use your full figure rather than applying arbitrary discounts to variable income.
The result? Equity partners typically secure higher multiples and significantly larger loans than salaried professionals earning the same headline amount.
Even if you've just been promoted
You don't need two years of accounts as a partner. Specialist lenders assess applications immediately after promotion, using your partnership agreement and financial controller confirmation of your new remuneration.
Your affordability reflects your position now — not last year's role.
How lenders actually assess partner income
It's about sustainability, not payslips
Lenders review income history, but the real focus is on current earnings and future expectation — not just historic tax returns.
This is where a reference from your firm's Financial Controller or Finance Director becomes powerful. It allows lenders to assess based on today's reality: your current draw, profit share, and expected earnings for the year ahead.
This approach works particularly well when your income has recently increased, you’ve moved firms or been promoted, or last year’s accounts don’t reflect current earning power.
What you'll need to provide:
- Two years' income evidence (SA302s or partnership accounts)
- Personal bank statements
- Standard ID and address verification
- Financial controller reference confirming current income structure (where applicable)
We handle the positioning.
Lenders need to understand both the structure and sustainability of your income — and that's our responsibility, not yours.
Why not book a confidential consultation?
We'll explain what’s realistically achievable for your specific income profile, exactly what evidence will be required, and which lenders are the best fit — before any application is made.
Your first consultation is free, with no obligation to continue.
Deposit requirements may be more flexible than you think
Up to 95% loan-to-value (LTV) available — Even on loans above £1 million
With the right lender alignment, borrowing up to 95% LTV is achievable, even on large loans.
Strong income evidence matters far more than rigid deposit thresholds. Larger deposits can unlock private bank terms, but lower-deposit solutions are frequently possible with specialist lenders.
Proof of Deposit
Lenders need confirmation of where funds are held and how they've been accumulated — typically through bank statements and standard AML checks.
If your deposit is held within partnership structures or derived from retained profits, we work with lenders who assess this pragmatically.
Why equity partners choose Private Finance
It's not about finding a lender. It's about presenting your income to the right one.
We specialise in partner-level borrowing and work closely with private banks and specialist lenders who genuinely understand profit-based income and senior remuneration structures.
You work with one dedicated adviser who manages everything end to end — ensuring your profile is positioned clearly, credibly and efficiently.
No exploratory applications. No misunderstandings with lenders who don't understand partnership income. No wasted time.
Why not speak with us directly?
Complete our short form and we’ll match you with the mortgage consultant best suited to your situation.
Our expert mortgage brokers can answer your questions, explain your options, and help you move forward with confidence.
Your initial consultation is free, and there is no obligation to continue.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Our proven process
Initial consultation, free & confidential
We understand your goals, income structure, and property plans. No obligation to continue.
A detailed review & strategy
Our specialists assess documents, assets, and options to build your mortgage strategy.
Whole-of-market search & negotiation
We approach the right lenders and negotiate the most competitive, tailored offers.
Completion & ongoing support
We guide you from application, valuation, and legal stages, through to completion.
Trusted by over 2,400 happy clients
The broker you've been looking for
Access to 300+ lenders
Ensures you get the most competitive large mortgage rates available
Private bank relationships
Access to competitive deals and expert solutions unavailable on the open market
Expertise with complex cases
Ideal for entrepreneurs, business owners, and global income earners
Transparent advice & support
Clear fees, full disclosure, and guidance at every stage
About Private Finance
We specialise in obtaining large mortgages and securing the best possible terms for clients who don’t fit within automated systems, need personal service and wish to deal with an expert who can save them time.
