Case Studies

Navigating Complex Mortgage Criteria for a US-Based Client

The Situation

Our client, a US citizen working for an American company, was looking to secure an 80% Loan-to-Value (LTV) residential mortgage in the UK.

She was based in the US, paid in dollars, and did not hold indefinite leave to remain in the UK. In addition, she worked at director level for a European firm, with most of her income coming from RSUs (Restricted Stock Units) and commission rather than a high base salary.

The Challenge

Several barriers stood in the way of her application:

• Foreign income and residency made her ineligible with many lenders
• Complex income structure (RSUs and commission) made affordability harder to assess
• A recent credit issue—six missed energy bill payments due to a bank account change—led to an initial decline at the Agreement in Principle (AIP) stage

Our Solution

We acted quickly to give the client the best possible chance of success. Here is what we did:

• Recommended that she contact the energy provider to explain the missed payments, which were due to a direct debit error after changing banks
• Supported her in appealing the missed payments, which were successfully removed from her credit report
• Explored the full market and avoided expensive specialist lenders, instead leveraging our high-net-worth contacts to secure options with competitive high-street rates

The outcome

While the mortgage didn’t ultimately go ahead, the client was incredibly appreciative of the time, care, and expertise we brought to the process.

By removing the credit issues and sourcing options at standard rates, we gave her the strongest possible position for moving forward—without being pushed into costly lending options.

Testimonial

“The team worked tirelessly to resolve my credit issues and improve my mortgage options. Their persistence and expertise were invaluable, and I am incredibly grateful for their efforts.”

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