How much would a £1 million mortgage cost?
If you're looking to borrow £1,000,000 over 30 years with an interest rate of 3.75%, that could cost you £3,125 per month on an interest-only mortgage. This rises to £4,631.16 per month on full capital repayment.
Million-pound mortgages & million-pound calculatorTrinity Financial provides a specialist advice and recommendation service to help banking professionals secure best buy mortgages.
Many of our clients work in the banking industry and they receive a large income, although they are often paid in the form of varying salary and/or bonus and shares. Trinity Financial can assist when the lenders do not understand these payment methods or want to help.
High-street mortgage lenders use affordability calculators to work out the amount they will lend and it can be difficult to raise the funds you require if your income fluctuates. Trinity Financial will put your application to banks that are more likely to lend and understand the way you are paid.
In line with changing financial markets, we also have been helping international bank staff just arriving in the UK to secure mortgages.
Trinity understands the banking sector
Our advisers understand that the banking sector is particularly fast-moving and many bankers have a limited amount of time when employed in this sector. We will handle your application all the way through to completion and update you throughout the process.
Many wealthier borrowers are keen to secure interest-only mortgages or part interest-only mortgages to reduce their monthly costs. This is something our experts can usually arrange.
Why investment bankers can struggle with high-street mortgage affordability
Many high-street lenders rely on automated affordability calculators that favour stable, predictable income. When your remuneration includes variable bonus, shares, deferred compensation or multi-currency income, those calculators can understate affordability (or apply strict caps to variable income). Trinity places banker cases with lenders—often including private banks and specialist teams—who are more comfortable assessing complex pay structures.
What percentage of a bonus can be used for an Investment Banker's mortgage?
Trinity Financial has access to high street mortgage lenders and private banks accepting up to 100% of bonuses when borrowers have a track record of receiving these payments. Most will accept 60% of bonus income.
Get started with us today
Speak to one of our mortgage experts. Either book an appointment to come and see us, or request one of our experts to call you.
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Is it possible to use a signing-on bonus or vested stock?
It is possible to use different types of bonuses for affordability purposes. For example, lenders will accept signing-on bonuses, a mixture of cash payments plus stocks and shares, also deferred or vested stocks. We can even use bonuses for clients who can confirm that a bonus will be paid at a future date.
These incomes can be used if earned through a previous firm or in another country. If it has been paid in a foreign currency, such as Euro, US Dollar, Swiss Francs or Japanese Yen, but it may be subject to a “hair cut”. This means a percentage will be taken off in case of currency fluctuations.
Our experts regularly arrange Large Mortgage Loans at higher loan-to-values for bankers using a five-times salary multiple. They can find options if you receive Carry Income to be used on top of basic salaries and bonuses.
Trinity Financial can help if your bonus is bigger than your basic salary and/or paid in US Dollar or another foreign currency. In the past, we have helped clients with bonuses three times their basic salary.
How much of a deposit do investment bankers need?
Banks will typically require a larger deposit of up to 40% to access the most competitively priced rates. Still, it is possible to secure investment bankers mortgages of £500,000+ when they have a 10% deposit through high street and private banks.
How Trinity helps bankers (our process)
- Initial call to understand your pay structure (salary/bonus/deferred comp/shares/carry, currency, timelines).
- Affordability & lender match (high-street vs specialist vs private bank routes).
- Send us the documents we need to explain your financial situation and requirements clearly to mortgage underwriters.
- Application managed end-to-end, with proactive updates through to offer and completion.
Call Trinity Financial on 020 7016 0790 to secure an Investment Banker mortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Yes. The key is demonstrating a track record and presenting the bonus in a way that fits lender policy. Some lenders can consider a high proportion of bonus where it’s consistent.
Often, yes—particularly for higher earners who want to reduce monthly payments and have an acceptable repayment strategy (e.g., investments, liquidity events, scheduled bonuses, downsizing). Trinity Financial's brokers have access to one bank offering a particularly impressive interest-only product.
Where any part of the mortgage is interest-only, the maximum loan-to-value for the overall lending is up to 85% of the property value, and where the combined gross income is £200,000 or more, any lending over 75% loan-to-value must be on a capital and interest basis. This means most of the mortgage is interest-only.
For clients with a combined gross income of less than £200,000, any lending at a loan-to-value over 50% must be on a capital and interest basis. The bank also offers a 5.5 times salary income multiple.
Many lenders will apply a currency “haircut” to manage FX risk, especially if income is converted into GBP for affordability
In many cases, yes—particularly where awards are vested/vesting on a clear schedule and evidenced by statements and employer documentation. Trinity can target lenders that are more pragmatic with these income types. More lenders are also offering RSU income mortgages.
Often yes, depending on evidence and lender rules. Some lenders will consider a signing-on bonus, or a confirmed bonus due at a future date, when the case is packaged correctly
Potentially. Where carry is regular/realised or there is a strong track record, some lenders may consider it on top of salary and bonus.
