Investment Banker Mortgages
Many of our clients work within the banking industry and receive a large income which is often paid in the form of varying salary, bonus, and shares. However, despite the high earnings, securing the level of borrowing required for a mortgage can often be challenging due to the way high street lenders assess affordability.
Traditional banks typically consider only 50% of an applicant’s bonus income, averaged over two years, or may limit affordability calculations to basic salary alone. This approach can significantly reduce the amount you’re able to borrow - often falling short of what’s needed to secure your ideal property.
At Hirschle Hughes, our mortgage advisers understand the unique income structures of investment bankers and finance professionals. We work closely with a network of specialist lenders and private banks with whom we’ve built strong, long-standing relationships. In some cases, these lenders are able to consider up to 100% of annual bonuses and vested stock when assessing affordability, significantly increasing the borrowing potential for our clients.
If you're an investment banker seeking a mortgage solution that reflects your true earning potential, our expert team is here to help.
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How can we help?
At Hirschle Hughes, we understand that professionals in the banking sector operate in a fast-paced environment and often have limited time to manage their own financial arrangements. Our experienced mortgage advisers specialise in working with banking professionals and are well-versed in navigating complex income structures.
We take the time to understand your financial profile and present your case clearly and effectively to the lenders best suited to your circumstances. With access to a wide range of lending partners, we can secure tailored mortgage solutions that align with your goals—whether you’re purchasing a new home, refinancing, or investing in property.
Our advisers work quickly and efficiently on your behalf, ensuring a seamless process from application to completion. If you’re looking for bespoke mortgage advice tailored to your career in the banking sector, get in touch with our expert team today.
- Whole of market mortgage advisers with an extensive lender panel of over 140 lenders helping you navigate the mortgage market.
- Experienced advisers with a wealth of knowledge, enabling you to find the most suitable mortgage for your situation.
- We thrive in complex and challenging scenarios working creatively with our lender panel to provide bespoke solutions.
- A dedicated point of contact with instant access at your request
Company Director Mortgages
If you’re a self-employed company director, securing a mortgage can feel unnecessarily complicated. Despite the growing number of self-employed professionals in the UK, many mainstream mortgage lenders still struggle to assess non-traditional income accurately. At Hirschle Hughes, we specialise in arranging mortgages for company directors, offering expert guidance tailored to your specific circumstances. Our brokers have an intimate knowledge of the process and will be able to act diligently on your behalf to find you the most suitable solution.
Interest Only Mortgage
Interest only mortgages have proven to be an extremely attractive option for our clients offering them a greater deal of flexibility when structuring their mortgages. With that being said mortgage lenders have tightened their criteria for interest only mortgages over the last few years as they are considered a higher risk.
Find out more about an interest only mortgage and how we may be able to assist.
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Outstanding service and advice from the outset. Always available to answer any questions.
Property finance solutions
At Hirschle Hughes, we provide tailored property finance solutions for a wide range of clients — from first-time buyers and business owners to high-net-worth individuals. Whether you’re securing a residential mortgage, commercial loan, or bespoke lending arrangement, our expert advisers are committed to delivering exceptional service and ensuring a smooth, stress-free transaction.